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

I am demanding these accounts to be removed from my credit report. It has made it extremely difficult to get approved due to these delinquent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX, I have attempted to contact Experian regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Experian has failed to respond to my dispute letter sent on XX/XX/2018 and received by Experian on XX/XX/2018 Experian has failed to respond to my signed, notarized, & copied dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit.

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified or removed within 30 days of receiving in accordance with s. 169e ( 8 ) of the debt collection practices act & the FCRA 30 day deadline. 

I demand that these unverified accounts be removed immediately and promptly to avoid legal action. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to XXXX onXX/XX/XXXX
Product: Debt collection

Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Product: Debt collection

XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. These letter were send to all 3 bureaus to investigate the debt. Company kept sending me invoices that show no signature or agreeing to the contract. They threaten to send debt to another party, if I go unanswered, they will closed the account, and pursue legal actions and charge off the account. The invoice show the amount of {$350.00}.
Product: Debt collection

They didn't tell me that my evalution i was having done wouldn't be covered at all by my insurance. Also, when I tried to make further appointments they said I would have to redo it because it was XXXX later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX STATE XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ACCT XXXX XXXX XXXX Balance XXXX : {$370.00} ACCT XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXX Balance Owed : {$370.00} ACCT XXXX XXXX XXXXXXXX Balance Owed : {$370.00} ACCT XXXXXXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

I made a payment on my sisters account once in XX/XX/2021, using my bank account and I did not click or authorized Comenity Bank to save my information now since then Comenity Bank have been charging me the payments she made using their automatic system and even though shes been asked to verify the bank account number shes using to make the payment and the system verifies the correct bank account Comenity Bank still charging me for her payments for the months of XXXX, XXXX and XXXX I called Comenity Bank and spoke to XXXX, who kept me on hold for more than 30 minutes to get a manager because she didnt know how to resolve the issue and at the end she never got the manager on the line, then all of the sudden the call got disconnected, we called back just get someone else and start all over again the representative didnt know how to delete my account from my sister Comenity bank account, he got a supervisor named XXXX also in the same office as the previous representative location ( XXXX XXXX ) and she didnt know either so she got a specialist in checking and savings accounts on the line named XXXX employee number XXXX in XXXX XXXX that didnt know how to resolve the issue as well, he was very unprofessional antagonizing me telling me I didnt need to be on the call because the issue was on my sisters account that I was insulting him all this because I asked to speak to his manager or to have his manager to call me back he refused and the solution that he provided was for my sister to make the monthly payment this time on the phone I asked XXXX to follow up the allowed time to check if the account was removed and give my sister a call back and he flat refused to do that, however my account still on my sisters account he didnt remove that information I was so irritated and aggravated after 2.5 hours on the phone and him antagonizing me telling me that I was been disrespectful that I called him XXXX, then he says see you are now disrespecting me and hang up the call all he was doing was trying to get a reason to disconnect the call because he didnt know how to resolve the issue, when the payment was made using the easy pay option I never authorized Comenity bank to save my information, my sisters account can be look up by her name XXXX XXXX phone number XXXX and mine is XXXX XXXX XXXX my phone number is XXXX Comenity Bank can access or look up the accounts with this information I want my bank account ending on XXXX completely remove from my sisters account
Product: Debt collection

Affidavit of Truth This is a notice to all that I am XXXX XXXX, I swear and affirm the following facts.WellsFargo Auto ( Bank ) is knowingly and willfully continuing to violate my rights as a federally protected consumer under the FDPCA 15 USC 1692. WellsFargo Auto ( Bank ) and their representative XXXX ( XXXX ) XXXX, is choosing to disregard my cease and desist that was sent to them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by calling my phone without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction pursuant 15 USC 1692c ( a ). WellsFargo Bank should not be calling my phone for any reason once such notice of ( cease and desist ) from the consumer is made by mail, notification shall be complete upon receipt pursuant 15 USC 1692c ( c ). Furthermore, he is calling me at a time thats inconvenient to me, which is another violation of 15 USC 1692c ( 1 ). He wasnt there for the open end consumer transaction therefore he has no grounds to speak on my case or anything involving my case because he is going off of hearsay and infringing on my rights to privacy. And because I didnt give them consent and gave them a cease and desist and they keep harassing me anyway theyre in violation of 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. WellsFargo Bank and any of their representatives do not have permission to contact me. Wellsfargo only have permission to respond to me in writing and only with an Affidavit of Truth rebutting my Affidavit line by line under the penalty of perjury or my AFFIDAVIT STANDA AS TRUTH IN COMMERCE AND TRUTH AND MATTER OF FACT IN LAW. Silence is acquiescence. Responding with anything else is not a response and doesnt matter in a court of law. And lastly if they need to respond to my complaint by invoking my specified remedy they should do so in writing through cfpb and through the mail. I am enforcing my rights 15 USC 1692 and WellsFargo Auto ( Bank ) and their Rep is liable to me under 15 USC 1692k. 
Welsfargo Auto that they are on notice and demanding they comply with my Cease and Desist and not contact me regarding this alleged debt anymore unless they are invoking my specified remedies or that they intend to invoke a specified remedy or to advise that further efforts are being terminated, Pursuant to 15 USC 1692Cc ( 1 ) ( 2 ) ( 3 ). 

AGAIN, DO NOT CALL MY PHONE OR CONTACT ME THROUGH ANY MEDIUM IN REGARDS TO THIS ALLEGED DEBT!!!!!!!!!!!!!!!!!!!!!
Product: Credit card or prepaid card

I submitted a complaint to Vanilla Gift Cards for a {$220.00} gift card that was used by someone else. I submitted a complaint to the company Case ID / XXXX and after many months of being given the run around, I was told that the charges were more than 6 months old so they would not refund the amount.
Product: Checking or savings account

We have had a check on hold. We got the issuer of the check to verify the check. The bank still refused period then we went to her issuing bank with the customer who issued the check. So now we're at the issuing bank, along with the issuer, herself, we verified all information that money had already left that account. It had been verified and chase still refuses to release the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX reference # XXXX, has violated my rights. 
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 card

XX/XX/2024 : Requested balance transfer of {$49000.00} from XXXX XXXX XXXX XXXX XXXX ) to Citibank as a corresponding bank to be paid into a subsidiary bank account. XXXX representative indicated the Citibank account number on the check, but indicated the subsidiary account number on the address line ; so, the recipient had not received the funds to date. 
XX/XX/2024 : Citibank has cashed the check received from XXXX XXXX XXXXXXXX, but there is no account number of the subsidiary bank, which has been designated to receive the {$49000.00} ; however, Citibank has not returned the {$49000.00} to the payee, XXXX XXXX XXXXXXXX. I have called various numbers at Citibank, but there is no published phone number to connect me to the office dealing with transfers to subsidiary banks.From XX/XX/2024 to date, I have requested XXXX  multiple times to recall the cashed funds from Citibank, since the recipient never received the funds. I continue to make regular payments on the loan to XXXX, and XXXX insists the recipient should deal with Citibank, which is holding on to the funds, and not returning the funds to XXXX.
Product: Debt collection

Abitlity recovery services was asked to send me four pieces of proof that its my debt. I gave them 30 days from all three bureaus to submit the proof to validate to me. As its a XXXX VIOLATION because I didnt sign any papers to allow a third party to get any of my medical information. So XXXX not sure where or how they got my medical information as I also was just told XX/XX/XXXX. I was part of a breach with XXXX an XXXX llc. With literally all of my information.
Product: Payday loan, title loan, personal loan, or advance loan

When I went to check out after purchasing a PC I was forwarded to pay tomorrow, after they started to take payments even from cards I didnt authorized, I was also Told I have a lease and a loan policy which wasnt explained initially. I had to cancel both cards, without any explanation my loan/lease was sold off for debt collection
Product: Payday loan, title loan, personal loan, or advance loan

This debt is not mine and please stop sending me e-mails, automated calls and texts!!
Product: Debt collection

This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.
Product: Credit card

I have a credit card on my report that I NEVER opened. I have disputed it several times, and Best Buy continues to update as it belonging to me. I will not pay for a cc that I did n't know existed, that I did not open and that I did not benefit from. what else can be done to take this off? I believe it is a result of identity theft or someone opening up this account without my knowledge. I do n't even have this card in my possession, to know that account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  with the Fair Credit Reporting Act, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid as agreed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as Citizens Bank. 

Reference : 15 USC 1681a ( 2 ) ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like Citizens Bank. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering Citizens Bank, XXXX, and XXXX to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, XXXX, XXXX, and Citizens bank can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS AND ITS TORN MY CREDIT UP AS A RESULT
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from Credit Technologies that I did not authorize on my credit report. I have contacted this company several times to resolve this issue but have gotten no response.
Product: Credit card

On or about XX/XX/XXXX, Synchrony bank ( Sam 's club MasterCard ), from here forth refereed to by the name " bank '', should have delivered a monthly billing statement via the United States Postal Service. Per the bank, on my phone call on or about XX/XX/XXXX to the bank, the bank claimed to have sent the bill via the USPS and that the bank received the bill back to them is " unable to deliver. '' At this time I verified the my address with the bank and requested the balance, requested a duplicate billing statement to be sent, requested any late fee, penalties, and interest be waived, and electronically paid the bill in full on that day. The bank complied with all requests at that time except could not do anything with the interest at that time due to it not having been charged to the account, couldn't see it on the account, or some other goofy bank thing. I informed them at that time, if I saw interest charged in association with the banks failure to legally deliver the billing statement ( through USPS ) I would not pay it and I would be calling back in for them to waive it. Upon receiving the next USPS correspondence from the bank, there was a {$4.00} interest charge on the document. I phoned customer service on or about XX/XX/XXXX and requested they remove that interest charge being this was associated with their value to provide legal notification of billing. They declined to waive the interest charge. I informed them at that time due to their non-compliance with ethical business practices I would like them to close my account. The bank representative claimed to have processed that request. On XX/XX/XXXX I paid the {$4.00} in interest.
Product: Credit reporting or other personal consumer reports

I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.