23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have been working on an account that is being reported by XXXX. I requested information directly from them asking for validation of the debt. What I received was a letter stating that the account has been sold and that I would need to contact the other company. How can the bureaus validate this if I an unable to and I am the one that is suppose to be responsible? I have disputed this with the bureaus and still have not gotten any type of answer as to how they can validate something that I ca n't.
Product: Credit card or prepaid card

I am having difficulties with buying a house and applying for new credit cards. I paid the account FLURISH INC DBA LENDUP and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this negative mark from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for their posting of incorrect information provided by XXXX Card. This action has resulted in an unjustified immediate drop in my credit score by over XXXX XXXX 

XXXX has failed to resolve a billing dispute, filed in XX/XX/year>, within the legally mandated 90-day period, in direct violation of the Fair Credit Billing Act ( FCBA ). Despite this, XXXX has fraudulently reported this unresolved dispute to the credit bureaus, including Experian, causing unwarranted damage to my credit score.

Pursuant to 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$72.00}, nor any associated fees. Consequently, I demand the immediate removal of all erroneous and fraudulent information from all credit bureaus, including Experian. 

Failure to comply with this demand will result in further legal action, including claims for damages due to the impact on my credit score and the financial harm caused.
Product: Credit card or prepaid card

I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

Today is XXXX yet my XXXX  credit report is showing information from XX/XX/XXXX. Neither of the other two credit bureaus are showing up to date information either. This is problematic because it's showing more than double my actual balance on the account.
Product: Credit reporting or other personal consumer reports

I had an auto accident and XXXX went after the other company to reimburse them. The subrogation was completed, they sent me my {$500.00} deductible. When my new insurance company quoted my rate for the coming policy is was {$280.00} higher because LexisNexis shows an outstanding balance of {$63.00} for rental reimbursement and {$440.00} for collision deductible. I have contacted XXXX claims handler numerous times and each time he says he will call me back later in the day and he never does. I've sent internal emails with no response. ( XX/XX/XXXX, XX/XX/XXXX ) Spoke with their subrogation dept and they told me claim was closed and that claims handler XXXX XXXX is who can resolve the problem. I have called and talked to him numerous times ( XX/XX/XXXX, XXXX XXXX ) He sent me an email that wasn't acceptable to my insurance company because it wasnt on letterhead. The office I dealt with originally sent an email that also wasn't acceptable because it showed amounts still unresolved. I have disputed with LexisNexis on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating they were submitting the claim to arbitration and that the results would be binding to both parties. XX/XX/XXXX I received my {$500.00} deductible.
Product: Credit reporting or other personal consumer reports

To All Concerned Parties, This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SD XXXX ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!
Product: Credit card

XX/XX/XXXX, Lands End slippers on sale ( {$30.00} ). Called to pay invoice in full and cancel the credit card. I didn't want a credit card. I just wanted the slippers. XX/XX/XXXX invoice with a Late Fee and Finance charge ( {$42.00} ). I called and the customer service advised they " couldn't help me because I closed my account. The Fee was due to the original payment being " late ''. Again, I requested to pay in Full. XX/XX/XXXX invoice charges an additional ( {$2.00} ) described as a Finance charge. Called and paid that in full. 

I feel like I've been scammed. I thought Lands End was a reputable company. I want to return the worn slippers to Lands End expressing my disappointment with what I thought was a trusted brand. Filing this complaint instead. At this point I have no idea when this billing will end. I can only hope it is over.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I was contacted by an individual by the name of XXXX XXXX, who represented a funding company by the name of XXXX XXXX XXXX XXXX He informed me that the company specializes in funding small business start ups. He went over the details of the company 's lending procedures and then had a {$30000.00} check mailed to my home address. I took the check to my financial institution ( NAVY FEDERAL CREDIT UNION ) in order to have it deposited and a few days later received a letter from my bank informing me that the check was no good, that it was a fraud. I called the bank 's ( NAVY FEDERAL CREDIT UNION XXXX security & fraud lines numerous times in order to see what I needed to do to get assistance with this matter & I was informed that there was nothing I could do and they had no one to assist me. I attempted to reach out to the individual who I had been in contact with throughout the funding process and was not able to contact him or find any information online. As a result my financial institution ( NAVY FEDERAL CREDIT UNION ) blocked/froze my all my accounts. I tried to make a cash deposit and the teller was not allowed to take my cash. I submitted a fraud claim to the Federal Trade Commission. I gathered what information I could & submitted it to my bank in order to appeal the blocking of my accounts and it was denied. I tried to go to another financial institution ( XXXX XXXX ) and open an account only to be denied because of the block/freeze from NAVY FEDERAL CREDIT UNION XXXX As a result of some fraud/scam I am suffering & being punished for the greed of others without direction as to how to hold the perpetrator accountable and resolve this horrible situation.
Product: Money transfer, virtual currency, or money service

The check I was to receive from the Lexington law settlement went to a different address!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXX  -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST
Product: Debt collection

I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available. 
The last notice I received was XXXX XXXX.
Product: Mortgage

We have contacted our mortgage company several times by phone/mail since XXXX of this year about paying off a XXXX account that was included in our escrow account. The XXXX account was paid off in full in XXXX of this year. Since the payment is about {$500.00} a month we would like to get this settled as we have overpaid the escrow account for at least 5 months.
Product: Debt collection

I had a long dispute with XXXX XXXX regarding some money on a insurance policy they claimed I owed. AWA credit collections put a derogatory note on my credit. I called them and asked about it. I sent in the information they required to take off the damaging information- they never removed it. Finally I had XXXX and XXXX take if off. Unfortunately, the derogatory info was still on my credit when I was being evaluated for a home loan. I got a higher interest rate because of it. I had the CA Dept of Insurance evaluating the insurance problem. It tool several months for them to come to an agreement with XXXX regarding the balance I owed. I received a phone call from my contact at the Dept of Insurance informing me I would now owe {$100.00}. I agreed to pay it off once I received the bill. I had yet to receive a bill or any kind of statement ( it was just four days ago I had spoken to CA Dept of Insurance- and AWA placed another derogatory note on my credit!!! This was one was not overdue, and I had not received ANY written notice regarding the new balance or agreement. The info on the Derogatory claim on XXXX said it was due XX/XX/2019.!!! Not overdue, just due XX/XX/2019 AND it was for a higher amount than CA Dept of Insurance had given me. I paid the amount CA Dept of Insurance told me ( {$100.00} ) instead of the {$110.00} AWA had claimed. I am XXXX, and it's hard enough for me to keep things together without this kind of drama attached to my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX Account # is not listed on ANY of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I see a charged off on my credit report under this name XXXX XXXX XXXX XXXX XXXX XXXX. I've send a letter to XXXX and TransUnion with a detail letter. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation : and
Product: Debt collection

I am a victim of this fraudulent Capital One Account. I have no liability for this account and I demand that Capital One stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. XXXX, XXXX XXXX XXXX XXXX, XXXX is the law-firm that submitted the documents that was served to me on behalf of Capital One. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.
Product: Mortgage

My mortgage was transferred to Ocwen XX/XX/XXXX. I did n't realize until later that my mortgage was a ARM, nor do I remember agreeing to an ARM. I would never have agreed to this, knowing how the lender can adjust my rate whenever they felt like it. I applied and was approved for the HAMP ( Home Affordable Modification Program ) XX/XX/XXXX. XX/XX/XXXX I was informed that I no longer qualified and my mortgage would be adjust from a 1 % to a 4 % interest rate beginning XXXX XXXX, XXXX. Since then my mortgage has been adjusting every XXXX months. Then on XXXX XXXX, XXXX my mortgage adjusted from {$1200.00} to {$1300.00}, in XXXX months time. I have tried to apply to reenter into the HAMP again or have my mortgage set at a Fixed-Rate, but was denied and I was not given an explanation as why I no longer qualified. I 've never been late and I have always paid the full amount owed. I received a letter that my mortgage will again adjust to a 5.5 % rate, which will make my monthly payments {$14000.00} +. I ca n't afford these payments and have requested assistance to no avail. I would like someone to assist me in getting through to Ocwen with helping me to keep my home.
Product: Credit card

On XX/XX/year>, I attempted to use my American Express Platinum card and it was denied. I was surprised and thought it was a mistake until it happened again. I called American Express and found that a card that I had cancelled over 2 years ago had been over {$400.00} in charges from Gap. These charges were made over XXXX XXXX with my current American Express Platinum but somehow they were charged to a canceled credit card. They were not recurring charges so there was no preauthorization for the charges. The charges were from XXXX and XXXX so they were very late and there were late fees and now says I have a late payment on my credit report which is my first ever. This dropped my credit over XXXX points for something that is not allowed to happen. Clearly American Express knew there were in the wrong and refunded fees but my main concern is my credit. Ultimately I don't understand how American Express doesn't support it's customers.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit and notice incorect information being reported. I am not aware of any of these accounts being reported on my credit. I have been XXXX  in XXXX XXXX   for 12 years and while gone didn't give anyone access to any of my personal information. I also receive XXXX and don't use my credit for anything. 


below are fraudulent accounts being reporting in my name. 

EXPERIAN REPORT INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX   REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX  REPORTING INCORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

IC Systems claimed to have ownership of a debt collection from XXXX. When I expressed concerns to them about this, they refused to provide proof. I had just paid off my debt to XXXX via XXXX XXXX ( who provided proper verification ) and XXXX themselves confirmed XXXX was the proper collection agency in charge of collecting the debt. When IC Systems was again contacted in regards to validity of account, they implied I was paying money to a fraudulent company ( referencing XXXX ) and needed to still pay them the full amount of {$1800.00}. I have since received a letter of fulfillment from XXXX XXXX and have again confirmed with XXXX that this debt has been settled properly and in full. I would like IC Systems to remove this debt as I have asked multiple times and this is negatively affecting my credit.
Product: Debt collection

Prior to XX/XX/XXXX, i received a call and a letter attempting to collect a debt that had outlived its statue of limitation. I wrote the company and asked them not to contact me again. Today XX/XX/19 they called again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My police report number is XXXX. XXXX XXXX Police Department. 

I have errors on my credit reports that I have been trying to remove for years unsuccessfully and the credit bureaus have continued to list them as valid. These are fraudulent reporting errors and I wish them removed immediately. 

XXXX XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$2600.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$37.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$37000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$34000.00} Highest balance {$0.00} Terms 74 Months On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$6000.00} Highest balance {$0.00} Terms 36 Months On record until XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Transferred, closed. {$420.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$420.00} Terms NA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the information that appears on my Experian consumer report.
Product: Credit card or prepaid card

XXXX XXXX XXXX I changed address and I called kohls to update my address and was told it was updated.During the month of XX/XX/2021 i received a late fee which I was not aware of until I was contacted in XXXX because I was never sent a bill.I was able to speak to representative that waived the late payment fees and I immediately paid my balance in full.I then requested that the negative credit information be removed from my credit files for the XX/XX/2021 payment period. I was told it would be removed that was more than thirty days ago and it never got removed. I then proceeded to call back several times to try and get a letter stating that it would be removed from my credit file. I was told it wasnt possible to get a letter from kohls of that matter and that I would have to contact corporate .I Then called and contacted corporate and they say they would send the letter and clear the month of XXXX. I received a letter that was not what I had asked for therefore i called again and was told I would get another letter this time the correct one and once I received it it was also not what I needed. I am now still waiting for my credit file to be cleared and am being told there is nothing they can do about it. In all the years I have had my Kohls account I have never had such ahorrible customer service experience for something that was not my fault to being with.