23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I filed a dispute against Elan Financial Credit Card Services and Fidelity Investments on XXXX XXXX XXXX through your organization, CFPB. Fidelity Investments employed Elan Financial Credit Card Services to manage their credit card and Elan responded and stated that they called me on XX/XX/. Elan never called me to resolve this dispute nor will they look at my documentation. I have attached my XXXX phone records to provide you with proof that they did not call. 

On XX/XX/2023, XXXX ( dispute supervisor at Elan ) stated that she would reopen the case if I could provide documentation that shows that there was a return policy at the time of my purchase on XX/XX/2023. In addition, I told XXXX that I had emails from the merchant, XXXX XXXX XXXX, that state they would take the product back and I stated I would get back to her. XXXX did not want to see the emails from the merchant. 

On XX/XX/2023, I called back and spoke to XXXX ( dispute supervisor at Elan ) and he stated that he will not open the case. I told him that I have emails from the merchant, XXXX XXXX XXXX stating they would return the product and documentation that demonstrates that at the time of checkout there was a return policy. 

Elan is unwilling to reopen the case and look at my documentation. I have recorded their phone calls and so has my third party investigation firm, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. We both have them on recorded lines wherein Elan states that they will not work with me to resolve this dispute by looking at my documentation. Elan can lie to you and state that they are willing to work with me but they are not willing to so. I would not be spending so much of my time filing complaints if they would look at my documentation. I am providing you with my XXXX XXXX XXXX phone records of XX/XX/2023 to demonstrate that Elan is lying and not calling me. They have no documentation to show that they evidence that they are working with me.
Product: Checking or savings account

Between XXXX XXXX 3 fraudulent checks were deposited into a joint account with my son for just under {$15000.00} by a person who claim to hire my son. The funds were removed from the account via cash payment apps ( These are traceable transactions ). My son called the to report the fraudulent active and a dispute was filed. When he called back to check on the status of the dispute he was told that the bank would NOT help with filing the dispute and that my son would be responsible. The bank would not take any information from my son regarding the perpetrator. My sons small paychecks have always had a hold placed on them but somehow 3 fraudulent checks of {$5000.00} each were made available for immediate withdraw. This leads me to believe that this fraud was committed by someone working for the bank. This guy also showed my son 3 other peoples USAA accounts that he has done business with. I have attached the photo provided by the fraudster of the other USAA accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Checking or savings account

There was a random charge on my checking account from a vendor I generally shop with online, but the problem was that charge wasnt authorized by me. I called the vendor to see if there was any charge from them on my debit card and they said no. I notified the bank right away to dispute such charge so they could look into it. After a couple of days I followed up with a phone call to see the status of my dispute only to find out that some how the bank erroneously charged me from a vendor that I frequently use.That sounded real sketchy to me and I wanted to have CFPB look into banks activities. What if I didnt notice such charge? Would they have told me? Was it really an error? 
I must add they have since refunded the money and any accommodating fees back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$780.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$8.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$11.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit reporting agency will not release a security Freeze on my credit report. Despite repeated efforts, Experian has been unable to remove the security Freeze from my account. This is preventing me from refinancing my home and saving thousands of dollars. 

First of all, it is incredibly difficult to get a human agent on the phone when calling Experian 's customer support number. Once I finally found a path to speak to human agents, I explained my objective. On 3 separate occasions I spoke to customer service agents and each time they assured me that my credit report was no long under a security Freeze and that lenders would be able to see my perfect XXXX XXXX  score. The most recent calls were on XX/XX/20 and XX/XX/20. Each time I speak to a representative they say that the security Freeze has been removed from my bureau. However, when I apply for a loan to refinance my credit, each lender ( and I have contacted 3 separate lenders ) are unable to access my Experian credit score. The lenders tell me to go back to Experian to remove the Freeze and the cycle continues. 

I am being held XXXX to a broken system that I believe originates on Experian 's side of the equation. Please help me out.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

To Whom It May Concern : This letter is regarding five Items/accounts that GLA Collection Company reported on the same day, on ( XX/XX/2019 on XXXX  ) and ( XX/XX/2019 on XXXX  and XXXX ) under my name and social security number. GLA Collection Company claim that I owe, item 1 ) {$93.00} 2 ) {$170.00} 3 ) {$330.00} 4 ) {$100.00} 5 ) {$1800.00} to the same company which they claim they represent. 

GLA Collection Company has been reporting five unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do not remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Please do not send screenshots. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay GLA Collection Company. As this debt is Not mine. 

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. 

GLA Collection Company, please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Mortgage

I purchased a manufactured home. I was told payments would not start until we were allowed to move into the home. The home was damaged during set up. Building inspector for county is involved. No certificate of occupancy yet. Triad financial services is requesting payment. I have called at least 3 times for a solution. First time ( XXXX ) and the customer service agent gave us no possible solutions or steps to take to resolve issue. Second call, I did not receive a call back from legal department ( XXXX ) when stated. Third call ( XXXX ) I was told to send them an e-mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a complaint against Experian in regards to a reinvestigation that has not resolved my dispute nor under my rights under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). to get  how they verified a account was correct on my credit report. I have called Experian and requested verification of How they claim the company reported the information is accurate and I also sent in writing to Experian requesting how it was verified and have received NOTHING the first investigation and now on the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX XXXX XXXX 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 ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXXXXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you
Product: Credit card or prepaid card

I have had a Citibank credit card for 6 years and 2 months. I have been on time 100 % I received a letter from them saying that they chose to close my bank account BUT the letter said nothing about closing my credit card. On XX/XX/XXXX, while shopping at Costco, they allowed a credit of just over XXXX, but XXXX mins later they denied the purchase. There was no notice or reason why they abruptly shut down the credit card account. Furthermore, there are three different account holders on this credit card that were affected abruptly. When my husband and I called, we were told we had to fax a letter asking why this happened. We did so and we have received no response. We called again today and were told that a letter would be coming to us in the mail. This is absurd and we deserve to know why this action was taken against us, when we have been 100 % on time with every payment for six years and two months straight
Product: Debt collection

We have been receiving repeated robocalls all summer from a place called XXXX XXXX XXXX that is reported online to be an alleged debt collection agency with murky practices. We do not owe any debts whatsoever. Our latest call was received today ( XXXX/XXXX/17 ) around noon MST. The recording today ( and each one previously ) does not identify a specific problem, but urges the victim to call back because " this is not an advertising or sales matter '' and describes it as " important. '' Today I called the telephone number back and discovered that a recorded voice gave me two choices : 1 ) if I was " ready to pay my account in full '', I should have my bank card handy to do so or 2 ) I could press 2 to  speak with an operator about the matter. We do not have an account number and we do not owe any money! This is clearly either a scam or they are trying to chase down a collections account from some other person. No matter which situation, I want these telephone calls to cease immediately.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Debt collection

According to CCAP the company stated I was notified in XXXX of 2023 of their action to collect the debt through court. I was not notified and I found out about the court date from a lawyer attempting to represent me in court, I showed up to the court hearing and requested dismissal because the collecting company is not the original creditor. Therefore my rights were violated due to the original creditor not abiding by our original agreement using arbitration to settle our contract. This matter has cause me emotional distress, I am not able properly apply myself at my place of employment due to continuously thinking about this lawsuit. It has negatively impacted my credit score which has also caused several traumatizing effects in my life, I have been unable to secure stable housing due to my credit history from this matter, I am in fear of my wages being garnished, and I am still waiting for XXXX to supply the requested documents ( The original purchase agreement, the chain of assignment, the bill of sale, and the validation of the debt )
Product: Credit card or prepaid card

I had dispute filed with City credit card requesting to investigate charge that was improper as I left an item in XXXX store on XX/XX/18 and was requesting a refund. XXXX at that time promised to refund money multiple times but did not. I filed dispute for the portion of the charge with City card and Citi card failed to investigate dispute properly, misstated that they sent me required paperwork for supporting documentation at the same time emailed statement that they are still investigating therefore never sent any request for supporting documentation hence caused me to miss my deadline : I feel I have been defrauded by Citi card. Then Citi bank stated that I missed deadline to provide supporting documentation and declared lost dispute, an addition reported that negatively and improperly to credit agencys '. 

Eventually, XXXX checked their records and refunded the wrong charge however City card never amended their ill reported lost dispute and my report still has their fake negative comments. 

I request negative reporting about lost dispute removed from my records as being unfair and fake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX  XX/XX/2022
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting

I disputed a collection with Equifax and they denied the dispute. The collection is for a hospital in Wyoming, and I have never been to a hospital there. I disputed the collection with XXXX and they removed it from my report.
Product: Debt collection

PORTFOLIO RECOV ASSOC Re Acct # ( XXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Penin te out be et menvest any of fared enore that you submi, you are instructed to take no Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Ex partner stole my identity and purchased a car without me knowing didnt find out until we Separated. 

You have 100 % left to pay on this loan. 

Balance {$15000.00} Highest Balance No Info Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX months Payment History Youve made 9 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Joint Account Remarks Charged off account Times XX/XX/XXXX days late XX/XX/XXXX Closed No Info