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

I appreciate the effort done by the Credit Bureaus to remove some of the disputed accounts from my Credit report, but I still have remaining accounts that should also be removed under the provisions of the FCRA section 605b. The remaining accounts were also resulted due to identity theft and must be removed accordingly. I previously sent a letter addressed to the Credit Bureaus last XX/XX/2022 with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft within 4 business days after the day of receipt. I am submitting this complaint to remind the Credit Reporting Agencies of their responsibility to remove the disputed accounts under the FCRA section 605b. I need the following accounts removed as soon as possible : XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - Bankruptcy XXXX  XXXX Reference # : XXXX. If the Credit Bureaus insists that the Credit Bureaus that the disputed accounts belong to me, I need the Credit Bureaus to provide me copies of documents bearing my signature to support the Credit Bureaus Claims. Under the FCRA section 605b, I need the disputed accounts removed from my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a error on my credit file from Army/Air force exchange around XX/XX/XXXX it is showing a late payment for XXXX $ on XX/XX/XXXX. I never received a invoice this month for and i feel like the error should be corrected. I've never been late before with this company.
Product: Credit card

CFPB, please assist me in securing my rights as I have been defrauded by American Express Bank. I opened an account in XXXX after doing thorough research about my rights and about how American Express handles securities and debt, based off of their filings with the SEC. 

Since the initial billing cycle, American Express has not been engaging in an honorable manner. My first presentment was mailed only two days before my first bill was due and the company harassed me to pay via my bank account while waiting for the presentment. I have attempted multiple times to settle my account with American Express Bank using my negotiable instrument endorsed for payment.

Despite these efforts, American Express Bank has refused to accept the bill as payment on two separate occasions. I was even told that one of my checks was destroyed when I asked for it back. 

During the time between sending payments, my immaculate credit score had been trashed which had resulted in denials by other financial institutions and created a financial hardship for my family, mainly our newborn. A few weeks ago, the bank sent me notice that they were expressing a limit on my account due to non payment, though I have attempted to perform my obligations multiple times to no avail.

With the deformation of my credit and reputation, I attempted to send the negotiated instrument to the CEO ; XXXX XXXX XXXX. At the beginning of this week, I got a response saying my tender of payment was rejected along with the negotiated instrument and POA form the was sent to him. 

At this point, I'm at my wit 's end and need some assistance. The refusal to accept the endorsed bills and the subsequent negative credit reporting have adversely affected my credit score, financial standing, and well being of my family. I have contacted continuously to resolve this issue but have been met with refusal and dishonor.

Under UCC Article 3, negotiable instruments such as bills are valid forms of payment when properly endorsed and delivered. The refusal by American Express Bank to accept such an instrument may constitute a breach of these provisions.

In addiction, the Bills of Exchange Act recognizes bills as legal tender when duly endorsed, obligating the drawee to honor the payment unless specific exceptions apply. Section 29 also states the corrective measures when fiduciaries are not acting in their responsibilities to the beneficiary as Trustee.

The negative reporting by American Express without just cause may violate FCRA provisions, which require accurate and fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to add a fraud alert on my credit report. XXXX have allowed someone to add a fraud alert for seven years. The alert is in XXXX XXXX XXXX. The person/persons have established credit using my personal information. My original drivers license was stolen, social security card stolen. The names of my former employers have been changed. All of my former addresses have been changed. When I learned I was a victim of identity theft. I went to probate court & changed my name to include my maiden name. It is XXXX. I 've learned from IRS that tax returns are being filed in my name. I 've been told by them to contact XXXX, transunion & XXXX. The Social Security Department told me to contact XXXX & others when I applied for XXXX. All refuse to cooperate. In order for me to survive I need my information correct. XXXX XXXX is posing as a paralegal with the bank ruptcy courts. The loan I had with XXXX XXXX XXXX was refinanced in 2004. The new loan was with XXXX XXXX. The fraud mortgage interest was being reported to IRS. I was under wage earner when this happened. The same applies with XXXX XXXX. Fraud mortgage interest was being reported to IRS, without my knowledge. When I went to the FBI, I was told to pull all of my tax returns. This is how I realized all if the damage that had been done. My mail is being stolen, using my information. I 'm including my drivers license with my name change. XXXX XXXX XXXX.
Product: Debt collection

I was contacted by the XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX WA XXXX from phone number XXXX via my cellphone on XX/XX/XXXX XXXX XXXX XXXX XXXX regarding a medical debt that I have been paying monthly since XX/XX/XXXX. I told the representative that they were in violation of TCPA and they did not have permission to call me on my cellphone. I asked them to cease and desist. The representative then went on to let me know they could contact me if they so choose to. On XX/XX/XXXX XXXX I received a call at my place of employment. I explained to the rep that I could not receive calls at work and would be terminated he then let me know he would continue to call and pursue additional collection efforts now that he confirmed my place of employment and the calls would continue.
Product: Debt collection

The XXXX XXXX  hit me with an expense after I experienced repeated XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the apartment underneath my apartment. She would constantly run up to me where I had to call the cops repeatedly and management never protected me. When lease was up I did not renew and when I was moving ot a fowel order appeared in my aparment after I had moved my stuff out. I spent a lot of money cleaning thos carpets, my XXXX  dogs were trained. When I moved out the apartment hit me with an expense on purpose. They did not reach out to me to let me know I had a bill and sent this off immediately to a collection agency. The collection agency never contacted me to let me know they hit my credit and I found out last year from an apartment agency that Rent Recovery was on my credit and I could not get into an apartment until I have that paid off and this has left me homeless. 

I need a negotiated price and I need it in writing and they are refusing me so that I can get out of my situation. 

Can you please help? 
Thank You I have tried to contact that company a number of times.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and USC 1681. I have reviewed my credit report and found that the entry regarding the charge-off account [ XXXX XXXX ] with [ XXXX XXXX ] is incorrectly reported. Specifically, the account is listed as a charge-off when it is not accurate or up-to-date.

I am requesting a full investigation into this matter, and for the inaccurate information to be removed or corrected. Below are the details of the account in dispute : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As this information is inaccurate, I ask that you correct it as per the FCRA, which mandates that credit reporting agencies must ensure that the information they report is accurate and up-to-date. According to USC 1681i, you are required to investigate any dispute submitted by the consumer and complete the investigation within 30 days of receiving this dispute.

In addition, please provide me with documentation of your findings upon completion of the investigation, as outlined in the FCRA guidelines.

Please note that if this dispute is not resolved in my favor or if it is not corrected within the required time frame, I will seek further legal action to ensure my rights are upheld, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice.

Enclosed are copies of the relevant documents supporting my claim, including any payment history, letters, or other evidence demonstrating the inaccuracy of the charge-off.

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by portfolio Recovery Agency regarding an account that they claimed they purchased from XXXX XXXX ( XXXX XXXX ). On XX/XX/XXXX I requested that they validate and verify the information on their claim. I sent them a request for written proof. I cited the Fair Credit Reporting Act section 609 disclosures to consumers ( a ) ( 1 ) ( A ) and requested they verify through physical verification of the original signed consumer contract any accounts that they reported on a credit report. They responded on XX/XX/XXXX with old copies of statements and an explanation that they received only an electronic file and admitted they DO NOT have any signature. Despite this, they continue to report this on all three credit reports.
Product: Credit reporting or other personal consumer reports

My credit was destroyed by identity theft and I have done nothing but suffer from having poor credit I have complained multiple times and disputed many accounts that were opened in my name I filed XXXX XXXX bankruptcy in XXXX  and the problem im having is I never opened new accounts my info was compromised and the credit bureaus have done nothing to fix this I have not applied for no new accounts and they will not fix the issue Im tired of disputing info when they were all aware of the identity fraud this has been going on for almost 2 years and Im tired of trying to fix this I need help to correct these errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in serious violation. They received my Notarized ID Theft Affiavdate, Police report and the law that governs my demands to be solved within 3 days of receiving my information. 

They are in receipt of that information since XX/XX/2021 and have not done what i demanded as a Federally protected consumer. Not following Federal Law makes Equifax Criminally liable. 

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Equifax written permission/ consent to report anything on my consumer report. No consent means Identity theft which Equifax can be held criminally liable Equifax is also breaking the law which protects me a consumer by furnishing this information which is a direct violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card

On XXXX XXXX, 2016, a charge appeared on my credit card bill from XXXX XXXX for {$100.00}. This was for a medical facility that made me swipe my card and sign a receipt BEFORE I saw a doctor. Unfortunately, I never did see the doctor. The facility assured me they would tear the receipt up, and it would not post to my account. The charge did post to my account, and I immediately disputed it. Citicards sent me a letter saying a credit would be issued to me, and the matter would be closed. A month later, Citicards put that charge back on my account, and I have been fighting with them ever since. This is not a valid charge, and I want them to remove it. Citicards has no right to tell me I must pay a charge that is invalid. If XXXX XXXX feels I should pay the charge, then they can take me to Court. Citicards is violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees. I have inquired despite having significant funds when transition. I was charged fees due to login posting of charging and credits this issue can be the solve with transactions settle with insignificance balance, I believe these practices are unfair and request an investigation to my account transactions in extra money and over fees drafting over fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On two separate occasions I've not been able to access my Grain ( XXXX ) account and on both occasions I have had negative reports plave on my Credit report becuase i am unable to process an payment due to no access to the account. It is nearly impossible to get a timely response from anyone via email and this is Grain only form of communication. And by the time some repsonse to you the damage is already done and theres a XXXX day lare report on your Credit profile. Right now there are late payments being reported on my account and month after month I'm told by an customer service agent at Grain that these late payment will be removed from my account. Yet Month after Month I am giving an apology and told it will be taking care of the following month. I would like and demand that these late payments be removed from my Credit Report immediately, for it is damaging my life tremendously and reframing me to move forward and make Financial Increases for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Account name XXXXXXXX XXXX Account number XXXX {$860.00} Have this company send proof of my signature. I have never done business with this company. 



Account name XXXX XXXX XXXX XXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. 
Recent payment {$2000.00} If a payment was submitted for {$2000.00} as recent payment why is this showing on my report. Have this company send video proof or at the very minimum proof of my signature to validate this account. I have an identity theft alert on my account. 



Account name XXXX XXXX XXXX  Account number XXXX Account charged off. {$100.00} written off. {$100.00} past due as of XXXX XXXX 

If they claim this was written off, then they are paid. The company gives me the run around. Says card was a PREPAID card meaning someone had to put money up to open it. If not removed, I will be filing a claim in court. I am done playing kiddie games.
Product: Credit reporting or other personal consumer reports

I do not have any current loans with Department of Education/Nelnet . The balance is XXXX. It keeps showing that I owe {$130000.00} on XXXX and XXXX. Disputed with them many times but they have not removed Nelnet from my credit reports. I even called Nelnet using XXXX to verify that I do not have any balance or current student loans with Nelnet. The representative sent me a letter to verify that the balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX XXXX  XXXX not mine XXXX XXXX not mine US DEP ED XXXX not mine XXXX XXXX XXXX XXXX not mine AS REPORTED, THESE ARE NOT MINE Please send me dispute results and a complete updated copy of my credit report.
Product: Debt collection

I have a debt collection attempt from agency Credit Control , LLC dba XXXX XXXX XXXX XXXX XXXX, in the amount of {$910.00} from original creditor XXXX XXXX XXXX. 
I am not denying I had this credit card, however I have been a victim of identity theft that was discovered earlier this year that has been documented and I have an identity theft affidavit through the FTC as well as an inquiry to my local police department and also fraud alerts and freezes on all my credit reports once this was discovered. 
This particular account XXXX XXXX XXXX  in the form of a XXXX XXXX  card was used responsibly and had an original credit limit of {$500.00}. I never exceeded that amount and had paid this account down to a XXXX balance. 
It was somehow reopened and used fraudulently not by me and I have submitted a claim is to this with the previous debt collector that tried to collect this debt. 
This is not mine and I am not responsible for these fraudulent charges on a reopened account not authorized by me. 

XXXX XXXX XXXX
Product: Checking or savings account

I have met all the account opening bonus requirements and waited 30 days for the below account opening bonus and I don't see the bonus posted yet for XXXX. I did open my checking account in XX/XX/2022, and made 6 total direct deposits of over XXXX each month per the term, 2 also i made a XXXX purchase in the first 30 days in super market. The term did say to open a checking account not a saving account, I have mentioned that to the bank service team, and the term did indicate it is for the checking account, and the bank is now denied my bonus and said my checking account is not qualified. I would like to request my account bonus as soon as possible. 

First Tech Federal Credit Union is offering a bonus of up to {$350.00} when you open a new checking account using the promo code XXXX Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days. 
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery.
Product: Debt collection

The collection agency is highly likely in violation of FDCPA ruling. 

Potentially re-aging an unvalidated account.

Collection Bureau of Fort Walton Beach
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax beginning in XXXX XXXX when I obtained a copy of my annual credit report and noticed inaccurate information on my report. There were 9 hard inquiries reporting that I did not authorized. I immediately contacted Equifax and they took my information over the phone. A couple weeks later I received a letter stating the inquiries would remain on my credit file. I had the same inquiries on my XXXX and XXXX XXXX reports and they removed them without any questions and issued a fraud alert on my file for future protection. To date Equifax refuses to remove the unauthorized credit inquires despite my numerous phone calls and letters. I am requesting that the following credit inquires be removed from my credit file : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX
Product: Debt collection

My personal information was compromised. However, creditors werent so polite to understand what took place and wouldnt remove it from my report
Product: Mortgage

Company refuses to remove me from mortgage. I have sent in a divorce decree numerous times stating that the mortgage is NOT my financial responsibility. I have signed documents for them to get my name removed and they refuse. Meanwhile they continue to let my ex spouse live in the house for free and ruin my credit. He has made the choice to not pay the mortgage since 2018. I have been trying to work on my credit score to get it up and I was doing so until recently when it took a huge decline again because this mortgage increased.
Product: Debt collection

Credence Resource Management This company has added debt to my credit report in the amount of {$640.00} to XXXX XXXX XXXX  that I do not owe and never open to begin with. when I called this company they couldn't tell me how much I owed they ask me to tell them. They also ask for social security number and never gave this information to them because I googled them and they have XXXX reviews claiming these people are scammers I hanged the phone up. This company is messing with my credit and needs to be stop.
Product: Credit card

I was accepted for the Citi XXXX XXXXXXXX XXXX on the XXXX of XXXX. I was able to use it for a single {$20.00} purchase until the XXXX of XXXX, when a fraud alert was activated on my account. I wasnt able to use the card anymore. I called to clear things up and confirm my identity, but none of my personal information worked. They improperly collected my personal information, preventing them from identifying me. This prevented me from using AND cancelling the card while charges accrued. The only other method they had to identify me was a XXXX day mailing process that has yet to arrive. It was only after threat of complaint that they confirmed that a case would be started to cancel my account sent the confirmation email to the wrong address without notifying me.