23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been trying to get all XXXX credit agencies to remove both bankruptcies from agencies as they are inaccurately reporting. name is incorrect, dates are incorrect, person al details are all incorrect. I further contacted the Courts and they advised that they do not report to any agency. I contacted XXXX XXXX and they have refused update there information to reflect correct information by the court system. please assist me with getting these two bankruptcy reporting removed, or properly reported per the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.
Product: Credit card or prepaid card

XXXX  XXXX XXXX and Citi Bank are instituting policies to restrict or refuse financial services to individuals or businesses involved with legal transactions relating to business loans or retail purchase of legal firearms and related items. These policies run counter to the US Constitution and current law. As a taxpayer who assisted in " bailing them out '' a few years ago and a current customer I find them choosing to " legislate '' and discriminate against my legal my rights problematic.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On  XXXX , I received a voicemail from an Inspector  XXXX , his company name was not given, from  XXXX . The same day  my Mother who lives in a different city was also contacted by him, he gave her my name and said I had violated Federal law and he needed me to contact him. She was very c oncerned thinking I was in some kind of trouble and called me in a panic. I assured her I had not broken any laws but called the number he left to get some answers. He answered, " This is  XXXX  ''. I told him my Mom and I had received calls, he already knew who I was and asked for my Social Security number. I said I would not give that info to a stranger and why did he need it, he said, " ok, I 'll tell YOU what it is '' and recited it to me. He then told me what the call was in regards to and mocked me saying, " so you just had NO idea you had missed payments ''? I said I was not oblivious to my personal finances, but that the lender and I had worked solutions out before and I was not behind to the degree I had been before when things were handled civilly. He then said I was accused of hiding my car, which is completely untrue,  I drive it every day, everywhere. He said if it was n't in the drive with a " big fat bow on it '' then I was hiding  it. My car is in my garage, like most people. He said he had a network of people tracking me and my license plate, ready to take the car when I least expected it, and that all of a sudden, at any point, " it will just be gone ''. He said I owed {$1300.00}, which I have not confirmed but sounds high. I said I would like to contact my lender directly to discuss the matter since they are who I had been doing business with since early   XXXX  . He said they were done working with me, that option was gone and I either had to pay the full amount or give up the car. He finally gave me a couple contact numbers at  XXXX  an d said to call them " right now and do n't stop until they answer. '' I called and they had closed business for the day. I 'm completely terrified to leave my house and my Mother is unnerved still. I can provide the voicemail and a testimonial from her if needed, please let me know how I can help.
Product: Credit card

I chose to have the entire balance of my Chase credit card automatically withdrawn from my XXXX XXXX XXXX checking bank account. This has worked well for me for several years until XXXX XXXX, when Chase 's computer apparently had a glitch and the amount that Chase withdraws from my XXXX XXXX XXXX account was {$2600.00} less than the full balance of my Chase account. Chase proceeded to charge me interest of {$72.00} from XXXX to XXXX on the {$2600.00} balance. 

First, Chase 's website is grossly misleading. Chase 's website ( see exhibit 1 ) gives you the ability to automatically pay XXXX amounts : 1 ) a minimum payment amount or 2 ) a " Blueprint '' amount. When you click on to find out what this " Blueprint '' amount is, it says " Full Pay '' as the first option ( see exhibit 2 ). To me, a college educated person, " Full Pay '' meant ( for several years at least ) that I would be paying in full my credit card every month. Little did I know that " Full Pay '' does not mean this, and instead it means that only that certain purchase categories are paid in full, see Exhibit 3 ( e.g., Utilities, Department and Clothing stores, etc ). So, I feel Chase is actively trying to fool its customers by making it seems as if Chase offers its customers the ability to pay their credit card in full every month, when in fact it does not, the typical bait-and-switch. 

Second, even allowing for Chase 's bait-and-switch " BLUEPRINT '' payment scheme, I believe that Chase should acknowledge that they made a mistake and return to me any interest charged on the {$2600.00}. As explained above, the " BLUEPRINT '' payment scheme specifies that only certain purchase categories will be paid in full. I purchased {$2600.00} worth of supplies at a department store on XXXX and XXXX ( see XXXX statement ). The purchases should have fallen under the " BLUEPRINT '' purchase category, specifically under " department stores '' category. Therefore, the balance on my credit card should have been paid in full in XXXX, Chase should have been withdrawn the full balance from my XXXX XXXX XXXX checking account, and no interest should have accrued. Chase literally can neither deny nor verify that my purchases from XXXX and XXXX were from a department store. Therefore, I can not understand Chase 's position that the purchases were not from a department store. It would seem that without evidence, Chase would need to give the customer the benefit of the doubt. 

I caught the mistake today XXXX/XXXX/2015, I paid the account in full today. When I called Chased, I talked to XXXX and then to Supervisor XXXX. They said that there was nothing Chase could do and would not acknowledge that Chase 's computer had a glitch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018
Product: Debt collection

I keep getting harrassed by people at : Tate & Kirlin Associates, XXXX. 
XXXX XXXX XXXX, PA XXXXThey call multiple times per week stating this is a personal business matter, now I have recently settled a lot of old debts and they are trying to collect on an account I have paid already. One person asked for my social security number and the next person asks for my birth-date but I am not comfortable giving that info out to a company that has so many complaints filed against them. I just applied for a mortgage and nothing negative came up on my credit report from this company. I would like the to stop harassing me with fowl language and yelling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED THAT THE BANKRUPTCY, XXXX XXXX/ XXXX XXXX AND XXXX XXXX, AND XXXX XXXX ACCOUNTS BE REMOVED
Product: Credit card or prepaid card

I was told that at the end of XXXX  my account was flagged which it shouldnt have been. I currently have a little XXXX in there and they wont allow me to access it stating they have up to 6 months this is through venmo
Product: Debt collection

This is a medical debt on my reports. I have no knowledge of this debt
Product: Checking or savings account

Rep with Capital One, XXXX, claims to have reissued an affidavit for check in amount of {$4200.00}, in which case, no affidavit received. Further, the rep claims unable to recover funds from other party, due to length of time since check cashed, in which case, this is error on end of Capital One for not sending affidavit when initially brought to their attention in XXXX of 2018. Further, Capital One rep placed a stop payment on prior check for same amount, did not allow time for it to receive on my end, stop payment placed prematurely, check reissued while I was on vacation in XXXX 2018., check intercepted and cashed by another party. As stated before, when brought to Capital One attention, their rep, XXXX XXXX, failed to send affidavit, affidavit sent several years later, closed out in error, at which point, Capital One reps then refused to reissue it. XXXX claims to have reissued affidavit, however, it was not received. Previously, a XXXX replied on behalf of Capital One, requested more information, requested a call from myself, numerous messages left, none returned. I then received a call from a XXXX who advised she would reply in re to complaint, I attempted to discuss resolution and she would not ... XXXX replied back referring me to party who cashed check, in which case, party is nowhere to be found and not my responsibility to attempt to locate, as stated before, it is partly an error on end of Capital One., placing stop payment prematurely, failed to send affidavit when brought to their attention in 2018. Another complaint was filed, explained the party is nowhere to be found, further, Capital One reps would not take any action when advised the cashing bank did not receive initial affidavit... I then attempted to reach out to party who may have cashed check, unable to recover funds, I then requested another affidavit which Captial One rep refused to reissue. XXXX claims to have reissued affidavit, however, it was not received ... Most recently, XXXX with Capital One requested a call back, I called back, left a message, has not been returned..As per usual, Capital One reps leave a number to reach out, however, they do not accept or return calls...
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my account from Syncb National Credit Cards/Airlines. The inquiry was made on XX/XX/2018. I did not give anyone permission to initiate a credit inquiry. I have not been able to get this resolved. Please help!
Product: Mortgage

I used a mortgage company called XXXX XXXX XXXX, they were infinitely better than whoever has my loan now. A company called Newrez and Shellpoint have my loan now and I can not reach anyone at the company. I can not pay the bill because I can not reach anyone. I have called every number on the websites and on the bills they have sent and all of the numbers are disconnected. I have called XXXX numbers, the only number that worked was a fax machine. 
How can a mortgage company destroy my credit but dont have a number to call to allow me to talk to someone about my mortgage? This is very unethical. 
With the previous company I did not miss any payments in XXXX years, and now im XXXX days behind because nothing works and I wont send a random check to an address with a hope someone is real and this isnt a scam. 
I hope someone looks into this company and makes some calls to see how unprofessional and unethical this company is. 
Below will be a URL for phone numbers of the company for your reference : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its time for these inaccuracies to be removed so that I can finally move forward without this weight on my shoulders.
Product: Credit card

I've consistently made sure that payments on this account are made on time, never allowing them to fall behind. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on several occasions sent certified letters in XX/XX/2020 til this day XX/XX/2020 which include my ID and SS card. XXXX  has not removed these inquiries for which i have no account and do not recognized. so i call XX/XX/2020 and their customer service would not help and take care of the negative inquiries reporting to your credit report
Product: Debt collection

Americollect is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple americollect bills on my reports I am asking for full removal of all americollect collections from my credit report
Product: Debt collection

I sent letters to Experian and XXXX to delete from my personal credit report on XXXX/XXXX/2018. Or provide me proof the debt belongs to me. 

They have not provided proof. They simply mailed me a letter stating the debt was verified. 

The amount of the debt is {$3500.00}. The debt shows that it is a medical bill. 

Which if this was my debt I assume this violates HIPAA.
Product: Debt collection

Sunrise credit services has placed a fraudulent collections account on my credit report as of XX/XX/2022, in the amount of {$330.00}. I have never consented to this account being open nor was I aware of this account being opened fraudulently with my information I have contacted this company more than once and they give me the run around concerning the account. I have a police report filed and stamped concerning the account and all other proof that I am not responsible for the account that is currently in collections.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnions failure to conduct proper investigations. Specifically, in a lawsuit filed against TransUnion, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that TransUnion : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Delete all information that can't be validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect TransUnion to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If TransUnion fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX : I am XXXX and have been with a prepaid phone for 4 years now. I was on a month to month plan when I was offered a replacement phone due to multiple problems with my service. The replacement phone was returned within the trial period however a new contract was created and never cancelled as promised when the new handset was returned. I was informed the billing would run a couple cycles before it reset and canceled. However in 2 cycles I was informed that the contract had been violatedcancellation period ) and I was now responsible to buy my way out of it. A contract is made to pay off/down a handsets value but the handset was returned and the contract was n't cancelled as promised.To avoid the hassle of a contract I opted for a prepaid service right away ( XXXX using XXXX Phone number and XXXX using XXXX XXXX in XX/XX/XXXX ) This account still shows up on my credit.I have contacted the vendor and also the collection company who refuse to see that I am not responsible for this debt. I currently have a free state phone and continue to prepay for s service intermittently ( 4years on XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Trans Union is always XXXX points lower than other XXXX repositories. I have place disputes to resolve the erroneous info and they refuse to report accurately.
Product: Credit card or prepaid card

AMEX Bluebird has assured me every month that they would refund these chargea.

AMEX has decided that they do not want to refund the money as they loose merchant fees that way. I have attached the form AMEX wanted me to fill out so that you can see exactly what I am talking about. I will also copy and paste the section on the charges that I have disputed every month with them. 

Thanks agin for all your help! 

The merchant XXXX Date US Amount Merchant XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX XX/XX/18 {$19.00} XXXX XX/XX/18 {$15.00} XXXX total {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following credit inquiry is fraudulent, unauthorized and dont belong to me : XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX. I never applied for a XXXX XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. According to my credit report, there are numerous inquiries from various institutions, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. 

I have thoroughly reviewed my credit history and can confirm that I did not initiate or authorize any of these inquiries. As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. 

Therefore, I kindly request that Experian promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. I also request that you remove these inquiries from my credit report if they are found to be unauthorized. 

Additionally, I would appreciate it if you could provide me with a free copy of my updated credit report after the investigation is complete, as mandated by the FCRA. 

I understand that under the FCRA, you must complete your investigation within 30 days of receiving my dispute letter. I expect to receive a written response from Experian regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2020 and XX/XX/2020 my payments report in good standing ( OK ) as on time payments. XXXX XXXX after my XXXX payment Capital One reported a sixty-day late payment for XX/XX/2020. There was never a notice statement of outstanding balance for XXXX. A XXXX late payment for XXXX proves an error. For direct citation concerning this matter please reference 15 USC 1666 ( A ) & ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Capital One such authority. According to 15 USC-81s-2 account is in violation of multiple subsections because not only are the late payments being reported inaccurate they are also being reported during XXXX XXXX. In good faith I have conveyed my hardships with Capital One on a recorded line concerning the national pandemic and how it impacted my day to day well being, but yet they furnish my report with derogatory marks lessoning opportunities of progress via mortgage, jobs, and other loans that I can leverage to better myself in such trying times.