23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid a debt from a debt collection company, that sent me a letter stating that I pay a certain amount to be taken off my credit report. The letter stated I pay 50 % of the bill, that will bring the account to a XXXX balance and it will be deleted off my credit report. I 've called several times after I made the payment because they subtracted the money I paid which made it balance that I would owed. I 've disputed with the credit bureau and submitted documentation to prove my case, but yet, still see this account on my credit report. However, they did bring the balance to a XXXX balance but have not removed it off my credit report. I 've called them since then about this situation and all they have done was give me the run-arounds - but the second time I called, I finally got someone by the name of, XXXX XXXX. She was the one that I told I made the payment but the account was not at a zero balance. She claimed I did n't make the payment on time - so I had to go to my bank statement and tell her what day I paid it on, which was before the date that was stated on the letter. I am filing a complaint today because this company is not a worthy company. They show poorly representation and false advertisement, per documents! I was to pay {$190.00} which include {$7.00} for a collection fee but ended up paying that collection fee twice. Just to clarify!
Product: Credit reporting or other personal consumer reports

I have noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was used fraudulently, resulting in an item on my credit report that I have no connection to. Following Equifax 's instructions, I filed an FTC Identity Theft Report and submitted it along with the required documentation. However, despite my efforts, this fraudulent item still remains on my report.
Product: Debt collection

I received a letter of an attempt to collect a debt back around XXXX and XX/XX/2016 from this third party collector. I in return sent the third party collector several Cease and Desist communications ( Which they verified they received ), well within the 30 days I had to response and the collector still placed this debt and called me on my credit report as late as XX/XX/2016, after receiving several Cease and Desist communications. After being notified that something had been placed on my credit, I called the third party collector to confirm date of receipt of this Cease and Desist Letter - and request removal from my credit because I communicated with them within the time frame they request. They told me that they " could not communicate with me unless I send in another letter removing the Cease and Desist communication. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumers rights were violated because Experian furnished false information without my written consent. I never gave Experian any written instructions to furnish anything on my consumers report. No consent is Identity Theft and infringement on my consumers right to privacy. Based off Experian violating my consumers rights, I am unable to apply for any Consumer credit for my XXXX as well as my XXXX. These violations are hindering me from purchasing a mortgage and vehicle for my family. Furthermore, I have been humiliated as well as dealing with XXXX and stress because of these results. Experian is in violation of 15 USC 1681b. ( a ) ( 2 ) which state : XXXX a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Experian is in violation of 15 USC 168XXXX. ( a ) ( 4 ) which state : ( a ) Accuracy And Fairness Of Credit Reporting The XXXX makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Prepaid card

I purchased a gift card for {$250.00} from XXXX, I attempted to use the card on XXXX, XXXX for {$210.00} and it was declined. I called the number on the back of the card XXXX at XXXX XXXX  and spoke with XXXX and I provided her the card number and she verified my name and address she stated that people were having difficulty with the gift cards and she would mail me {$250.00} to my home in 5-7 business days. As of today I have not received the funds. So at this point I went to XXXX and spoke with someone name XXXX and told her what happened on XX/XX/2024. She said she needed the card number I told her that I did not have it anymore, she said she could not help me. I told her the caller claimed the line was recorded so just go back and listen to the call. She claimed to do an investigation and then concluded there was nothing she could do because XXXX severed ties with the gift card vendor. I then called the XXXX back around XX/XX/2024, the third party gift card vendor named Cardholder Services and requested to speak with a manager and was placed on an extended hold then someone named XXXX employee id XXXX stated he was a supervisor and told me he did not have access to listen to recordings I asked for his manager and he said he could not provide the manager name because its private information. Please help me to get my money back I am filing complaint with XXXX and especially this Cardholder Services company Supervisor XXXX was rude, dismissive and not helpful.
Product: Credit card or prepaid card

A letter dated XX/XX/2018 stated my account with Capital One was closed on XX/XX/2018. 
I called Capital One and was told a letter should have been sent to you one month prior to that date. The reason it was closed because I did not use the card in over XXXX years. 
I spoke to XXXX @ XXXX XXXX XXXX XXXX ext XXXX. 
She gave me a case # XXXX. 
I read all my mail and never received any correspondence regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$7900.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit scores back in late XX/XX/2023, with my free yearly credit pull, found a few imperfections and sent letter to Equifax, XXXX and XXXX on XX/XX/XXXX, asking for an investigations on a few accounts that did not match. I gave them 30 days to respond and show proof of their findings, and they failed to respond and honor my requests.
Product: Credit card or prepaid card

1. XXXX XX/XX/2020 : Requested a Balance Transfer from CiTi Credit Card # XXXX to my XXXX Checking Account # XXXX for {$1500.00}, a total of {$1500.00} with a {$45.00} fee. 
2. XXXX XXXX - XXXX XX/XX/2020 : Multiple inquiries with both XXXX and CiTi trying to locate the monies. 
3. XXXX XX/XX/2020 : Received letter from CiTi detailing the transaction. Please note that the Tracer # is not accurate. ACH numbers are 15 digits. Provided XXXX with the same information. 
4. XXXX XX/XX/2020 : Received letter from XXXX detailing the results of their investigation : Monies were not deposited. 
5. Date Unknown : Received what appears to be a copy of microfiche from CiTi detailing the transaction. Again, please note that the Tracer number is a null field ( XX/XX/XXXX). Numerous calls to CiTi attempting to get a valid ACH # have been unsuccessful. This document was also provided to XXXX. 
6. XXXX XX/XX/2020 : Attempted a three-way call ( myself, XXXX, CiTi ) ; CiTi advised that their rules did not permit it.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : FAIR COLLECTIONS OUTSOURCING Account number : XXXX
Product: Credit reporting or other personal consumer reports

I received a response from XXXX XXXX XXXX  XXXX " XXXX XXXX '' in relation to a billing error indicating XXXX  days late on my credit report. The company 's investigation after the response on ( XX/XX/XXXX ) has taken more than XXXX  days. I sent notice and ask the company of proof of the late payment or Notice of Late payment in relation to 12 CFR 1026 : Regulation Z 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred.

In addition, Section 217 of FCRA specifies that an institution must provide the required notice to the customer prior to, or no later than 30 days after, furnishing the negative information to a nationwide consumer reporting agency As stated in my previous claim, the account was paid on-time through duration and closed XX/XX/2022. Experian and XXXX are reporting " XXXX  Days Late '' in XXXX and showing the account closed in XXXX which is a result of a billing error. Again, the account was paid on-time and in full on XX/XX/2022.
Product: Mortgage

The attorney stole my Marketable Title, took out mortgage and put my name on the IOU. He did this without my knowledge or my consent. The pretender bank is XXXX, and they are calling me, taking me to court for foreclosure
Product: Credit card

Credit Card added {$120.00} transaction from XXXX. 
I called XXXX on XX/XX/XXXX and talked to XXXX, a supervisor, who agreed he could find no transaction for this. 
I forwarded this information to XXXX XXXX and have yet to get this resolved. 
Today, XX/XX/XXXX, I was on the phone for more than XXXX minutes trying to discover the status of the disputed charge. I got no answer after talking to XXXX people and was disconnected. 

The transaction originally appeared on a XXXX card ending in XXXX. I talked with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and it was removed, and the account was closed. 

I opened the current card XXXX weeks later and the transaction reappeared. Again, I have a regular membership to XXXX that is paid and would have no need for an additional {$120.00} membership. 

I am attaching documents showing there was no transaction on XX/XX/XXXX and that I have a paid
Product: Mortgage

On XXXX/XXXX/XXXX, I received a letter from FlagStar Bank stating my re-modification application was " complete '' for loan # XXXX filed in XXXX of XXXX. I would then receive a " written notification '' in 30 days which as of today, I 've not received. I have made numerous attempts to contact my " point of contact '' XXXX XXXX leaving multiple messages never getting any calls returned. 
I did received a phone call on XXXX/XXXX/XXXX from the " Underwriting Dept. requesting a copy of a lease I issued to a new tenant which was confirmed received by the default dept. the following day. 
I then called the " Default Dept. on XXXX XXXX and spoke to " XXXX '' and she stated my modification of my loan has been " approved '' and I should be receiving documents within 30 days. On XX/XX/XXXX, I received a letter from XXXX XXXX of FlagStar Bank stating she will be my new " point of contact. '' Unfortunately, the same problem continues never any return calls from messages I 've left. 
The only calls I get is a " recorded message '' after hours stating its " urgent '' I call which I do the following day to XXXX XXXX leaving another message requesting a call back. 
On XXXX/XXXX/XXXX, I called again and spoke to XXXX of the Default Dept. stating I 've not received my new documents only to be told " my modification '' was finally approved. 
Now we are moving into XX/XX/XXXX and still not documents or returned calls by XXXX XXXX XXXX. 
Obviously, FlagStar Bank has shown " no urgency to modify my loan '' and thus being an " interest only '' loan plus with the market crashing the value of my home has taken a severe drop in value.
Product: Credit reporting or other personal consumer reports

I Sent a certified letter Experian requesting that any incorrect information my account be removed if can't be verify. The letter was in XX/XX/2023 USPS certified mail.
Product: Credit card

I am writing to formally dispute and appeal the denial of my claims related to unauthorized charges on my Chime Credit Builder account, totaling {$530.00} ( Dispute Numbers : XXXX and XXXX ). These charges are covered under XXXX Zero Liability Protection and Regulation Z, which safeguard consumers against fraudulent transactions. 
On XX/XX/year>, I reported my Chime Credit Builder card as lost/stolen and was subsequently issued a replacement card. I was informed that an investigation would take place, but I was assured that I was protected by XXXX Zero Liability policy. Despite this, my dispute was wrongfully denied, with the reason that " No Error Occurred. '' However, the error was the unauthorized use of my lost/stolen card, which should clearly fall under unauthorized transactions.

To further support my claim, I filed a police report and provided it to the investigator handling my case. Despite this evidence, my claim was still denied. Given that these transactions were unauthorized, I am formally requesting an appeal and reconsideration of my claim under XXXX Zero Liability Protection and Regulation Z. 
Additionally, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) under Case # XXXX regarding this matter. I urge Chime to review my case again, taking into account the proper consumer protections that apply in this situation. 
I expect a prompt response and resolution to this issue, including the reversal of the unauthorized charges and the reinstatement of the disputed funds to my account. Please provide an update on the status of my appeal and any additional steps required on my end. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I woke up today to find incorrect accounts listed on my credit report, and I have no idea how or why this happened. I check my credit report regularly, but this time, there are errors I wasnt prepared for. I even refreshed my browser, hoping it was a simple glitch, but nothing changed. Im imploring you to carefully examine the documents Ive submitted so I can put this unsettling issue behind me for good.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. According to Section 605b of the FCRA, you are legally required to remove items that are found to be erroneous. The disputed items do not belong to me, and I am attaching the necessary FTC Report with reference XXXX  XXXX : Original Creditor : XXXX XXXX Balance Owed : {$190.00} ; Original Creditor : XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/2023. Please remove these items. If there is any indication that these items may belong to me, I request all documentation bearing my signature for verification. It is your responsibility to ensure that all items are true, accurate, correct, complete, and verifiable. If you can not provide such records and still claim the items are verified, I will pursue legal action. My attorney and I are serious about this matter, and we expect full compliance with the law to resolve this issue promptly. Remove the disputed items as they were opened without my consent or knowledge, as required by Section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Transunion XXXX Transunion XXXX Transunion plus transunion XXXX XXXX needs to send me their hard credit inquiry of XX/XX/2018 also ( they do monitoring for transunion ) They keep sending me their advertising via email Please notify them to cease harassing me since I Reported them to your agency.
Product: Credit card or prepaid card

I had a SoFi credit card. On or about XX/XX/XXXX I noticed that my credit card had been paid in full and about {$5600.00} dollars had been taken out of my checking account. The next day their fraud department contacted me about a suspicious charge on that account for almost a XXXX dollars. When I looked at the account I noticed that my address and phone number had been changed to Florida. I live in California.  When I contacted the company they said the money would be sent back to my checking account in XXXX business days. That did not happen. I spent hours on the phone trying to find out what happened to my account. Every time I called they said they were looking in to it. A month has passed and the company has yet to explain to me what happened. I suspect it was either an employee with access to their system changed my information or their entire system had been hacked. In either case the company has stone walled me with an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00}. Please update.
Product: Mortgage

I disputed the debt and asked for validity of the debt and the original creditor on XX/XX/2023 and received a response on XX/XX/2023. I followed up with a letter stating theyre not the the original creditor and theyre debt collectors in violation of 15 usc 1692a ( 4 ) and also send a cease and desist to stop the foreclosure
Product: Debt collection

A product was purchased on XX/XX/2024 from XXXX. The product was incorrectly delivered and wayfair was promptly contacted about the issue. Recognizing the problem, XXXX refunded the order and sent an email on XX/XX/2024 saying that the product should be thrown out or destroyed. Then on XX/XX/2024 contact was made by Cedars Business Services LLC falsely claiming the right to collect a debt. They falsely asserted that the debt was due to an error where payment methods are not charged by wayfair until a delivery scan is made. They have been unresponsive to the live chat contact options offered on their website.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} 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 XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023
Product: Debt or credit management

I had a loan with XXXX to pay off some credit card debt. XXXXXXXX XXXX XXXX  and transferred my balance to XXXX, I was given minimal information regarding this. I then started receiving emails from XXXX about the balance. I have made XXXX payments of {$120.00} and my balance has only gone down {$7.00}. XXXX  are going towards the principle. I have no explanation for this daily interest charge of {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX for 45 minutes I spoke with XXXX XXXX  at Equifax operator number XXXX  about inaccurate reporting on my credit report. The name of the accounts is XXXX theyre my student loans and they are reporting late in XXXX but No Data all of XXXX and XXXX. Heres the timeline XXXX XXXX 90 days late not XXXX days late XXXX XXXX 120 days late XX/XX/XXXX still 120 days late XX/XX/XXXX still 120 days late then XX/XX/XXXX still 120 days late XXXX, XXXX, XXXX, and XX/XX/XXXX all No Data then on time XXXX, XXXX, XX/XX/XXXX all on time now heres the real problem XXXX on time every month but XXXX of XXXX 90 days late then in XXXX of XXXX on time. Now make it make sense to me how am I 90 late in XXXX of XXXX before I am 30 or 60 days late that is inaccurate reporting all I ask was for Equifax to fix the payments to never late and paid on time or they can just delete the accounts theyre violating my federally protected rights on accurate reporting. I attached documents show what I just explained can you please help my situation with this.
Product: Credit reporting or other personal consumer reports

I have been attempting to create an account with Experian for a week. The online process fails and it directs me to a Experian phone number which doesn't get me to any help. This number is useless. Via online forums, a corporation phone number was identified. After confirming the phone number, I called and finally was able to talk to someone. They were unable to help me at the time and said I need to wait 72 hours. They will not call me back. They gave me a direct phone number to call after 72 hours but I can't verify that this is a valid number. With the recent breach, I am need to create an account with each of the three credit bureaus but Experian is not complying. This is a widespread issue with Experian and the XXXX  has them at a XXXX XXXX XXXX  rating.