23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Repetitive unauthorized charges to credit card account - when I call the business ( XXXX ) they argue with me and say that my wife authorized the charges when she charged a rental car from XXXX XXXX XXXX XXXX on our credit card account -we have the rental car statement printout and there is no such charge reflected. XXXX will agree initially to " cancel the membership '' PROSPECTIVELY - but not give a credit for the unauthorized charge. When I press the matter ( XXXX ) about this being a fraudulent, unauthorized charge ( and threaten to contact the FTC or file a class action lawsuit ) - they agree to issue a credit. This has happened repetitively. This is scam. The FTC or someone in the U S Government needs to investigate XXXX XXXX XXXX XXXX and/or " XXXX Shopper ''. Someone similarly situated to me who is not a lawyer and who is not versed in their legal rights would probably not receive a credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 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 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: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit System for committing identity theft. I have never given National Credit System any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692 ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit System can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not produced and National Credit System continues its collection efforts, I will file litigation for actual damages caused and National Credit System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an account that was sold from the original creditor to a new creditor from my credit report. The account in question is detailed below : Original Creditor : XXXXXXXX XXXX XXXXl New Creditor : XXXX. XXXX, XXXX Date Opened : XX/XX/year> Date Sold : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. 
Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information. 
Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the XXXX period mandated by the FCRA. 
Enclosed, you will find copies supporting documentation, including a letter from the original creditor stating the closure and charge-off of the account and transfer of the account, proving that the account was sold to a new creditor, and the current owner has closed the account as of [ Date ]. Please update my credit report accordingly to reflect this change and remove any inaccuracies. 
I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX XXXX  XXXX number : XXXX XXXX XXXX : number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX XXXX  with no successful resolution. Experian, XXXX and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are keeping from getting things like loans and a newer car.
Product: Student loan

NYSHESC has not provided me with a detailed accounting history of my account, which I demanded in my previous complaint, as well as in my letter to the Governor, which I copied to NYSHESC.

NYSHESC is also continuing to deny that they have illegally overcharged my account in XXXX of XXXX, adding over {$1300.00} to my balance, above and beyond the principal, interest, and $ 1,200+ collection fees, which they did as they concurrenty applied a payment to my account from my garnished XXXX New York State taxes. 

NYSHESC is continuing to refuse my very reasonable settlement offer, which is to pay the full principal balance, plus interest accrued, minus the adjustment of payment applied from my XXXX New York State tax refund. 

I sent NYSHESC and XXXX two 20 pages faxes detailing my offer, and my financial hardship. Rather than work with me after I have so carefully compiled and supplied them with extensive documentation for my case, they choose to blow me off and continue gouging me, adding insult to injury. 

This is the first year I have been in any way shape or form able to begin settling my debts, and I am fighting for my life to get on my feet financially. What I do not appreciate from this predatory and dishonest company is a kick in the face while I'm down. 

I fear that NYSHESC will only continue to illegally add money to my account that I do not owe indefinitely. 

And so at this point, I am consulting with a lawyer, and spending the money I hoped to save for my daughter 's XXXX presents, to avoid a lifetime of indebtedness to a company that exhibits no care or concern to help me settle my debt.
Product: Mortgage

XX/XX/29 s/w many agents then last one was XXXX XXXX XXXX mortgage servicing XXXX. According to her PNC XXXX rules that I can not set up an online account until I get verified, which I've already been verified to become Successor in Interest. She did not care that the law states XXXX should be treated as the borrower. She also did not care I was going to report PNC for not following the rule. 
Also they would not give me a pay off amount. They also demanded I give them a date to pay off, which I told them how can I give you a date if I don't know if I can pay it off since PNC won't give me the amount? 
PNC also did not take off my deceased husband 's name off loan they insist on addressing all communications to XXXX of XXXX XXXX which I have told them over and over there is no estate. 
They also gave me a very difficult time to become successor in interest. They kept telling me I had to go to the county recorders office to get an affidavit notarized, which I didn't have finances to pay for any of that and also do not have a car because I ca n't XXXX due to medical XXXX issues. The whole time all they needed was the death certificate and something that proved I was married to my husband, which the death cert does state XXXX XXXX as spouse and my CA ID. 
I should also be named on the deed since I did inherit our marital home and I am making the mortgage payments out of my husband and mine joint bank account.
Product: Credit card or prepaid card

Dear Sir/Madam, Please see attached for my letter sent to Citi Credit Card company regarding the trip booked thru XXXX but got canceled due to the COVID19 pandemic. Below is a portion of my letter : " Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It was nice talking to the Citi customer service representative on XX/XX/XXXX regarding the charges to my credit card account. As requested, I am writing this letter to provide more information. 
Back on XXXX XX/XX/XXXX of XXXX, I booked thru XXXX for my big family to go to XXXX XXXX XXXX, XXXX for a vacation in XXXX of XXXX. But, due to Corona virus pandemic, it was cancelled and XXXX gave us credits to use for when we are allowed to travel again. 
As California reopens for business and we are planning to travel again, On XX/XX/XXXX I called XXXX to use credit vouchers for our upcoming vacation, but the XXXX customer service representative did some research and told me that we can not use the credit vouchers as the airline that issued them is no longer operating and he advised me to dispute the charges with the credit card company. '' And this is a portion of the letter the Credit card sent to me : " This letter is in regards to your disputes with the above merchant for {$420.00}, {$460.00}, {$460.00}, {$460.00}, {$420.00}, {$420.00}, {$420.00}, {$410.00}, {$410.00}, {$460.00}, {$420.00}, {$420.00} and {$460.00}. 
We have reviewed your disputes and determined we are unable to assist you due to the age of the charges. We needed your letter within sixty days from the first statement on which the transactions appeared. However, if you wish to pursue this matter, you may seek alternate means in which to obtain the credit you desire for your account. '' As it was my intention to use the credit vouchers to go on the trip again so there no reason to contact credit card company within sixty days of the the transactions appeared. Now that the airline is no longer operating so I can not use the service that I paid for and have to ask the credit card company to help and I think that the sixty days should be an exception in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

Attempted to use my debit card from US Bank which I've had since I was XXXX. My card declined and I was not sure why. I called US Bank, and they stated my account was closed. I was not notified, I can not access my funds in the account nor pay bills due them closing my bank accounts.
Product: Student loan

I started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.
Product: Mortgage

I applied for a Loan Modification from Select Portfolio Servicing and submitted all requested before the end of XX/XX/2018.As soon as this was done I started to get calls from investors requesting to purchase my house.The only ones with knowledge of this phone number are my XXXX  brothers and Select Portfolio Servicing. When I brought this to SPS attention I was told that my case was closed because of failure to set up an inside XXXX.No one from SPS ever requested any XXXX from me.SPS told me I should be, home on XX/XX/2018 for this XXXX. On XX/XX/2018 no one came to do a BPO so I called the XXXX company who sent me an email saying that XXXX has cancelled the XXXX. I called SPS who confirmed that the XXXX was cancelled without informing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 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: Debt collection

A company called Fast Cash Services claims that I owe them XXXX from an old outstanding debt and they want me to pay within 24 hours and the case will be downloaded and they will file suit in federal court in XXXX, FL. FCS Incorporated is the name of the company they claim to be working as.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most recent correspondence received from LexisNexis dated XX/XX/2022 stating unable to authenticate. I have mailed 4 separate certified letters containing my driver 's license, social security number, proof of address and identity theft report. LexisNexis returns an " unable to authenticate '' letter each time. They have not and will not initiate the dispute I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX and XXXX XXXX XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports

I see XXXX and XXXX XXXX buy on my report. I did not do this. I contacted both companies they have no record of me by name, number, social or dob. They are inquiries and I have been assured no accounts exist active or otherwise.
Product: Credit reporting or other personal consumer reports

I originally did a dispute on some items that I saw on my credit report in XXXX of XXXX. Experian originally DELETED accounts from my consumer report, but they quickly added them back to my consumer report without notice and without following the correct procedure stated by the FCRA. I asked them numerous of time to provide their method of verification but they refuse by failing to properly verify my disputed information. Experian refusal to conduct a lawful good faith reinvestigation as required by law and the FCRA is committing a fraudulent acts while operating out of bad faith.
Product: Debt collection

United Collections Bureau fraudulently used illegal tactics to collect medical debt by not notifying me of the debt before collections, not giving me the right to dispute it, not allowing me to dispute it once it was on my credit report, and not willing to negotiate payment arrangements that would take it off my credit. They initiated collections to an address I did not live at, to a phone number I didn't own, as well as an email address that did not belong to me. Nothing about it was registered to me. Nothing about this debt practice has been legal or meets fair credit reporting standards.
Product: Checking or savings account

I contacted the bank to inform them of an item that was purchased on my from my bank card for {$7200.00} from XXXX XXXX store bank in XX/XX/2020. I have not received the sofa from the XXXX It had taken so long, I decided to cancel and get a return from the store for the XXXX The store said they would not refund the money even thought the return policy said I had seven months on a return policy. At this point I don't have the sofa or my XXXX dollars I paid for the sofa. In addition, the sofa displayed on XXXX XXXX 's web sight was supposedly restored completely, but the pictures that was email to me of the sofa, was a used sofa. The sofa is used, It was miss-represented.