23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX  on around XX/XX/XXXX stating they were collecting a debt. I have no idea about this debt or what it was for. I replied via certified asking them to validate this debt and I also asked that they cease and desist all electronic communication with me and my family as they were calling me and members of my family non-stop. I sent this letter certified and it was received in their office by XXXX  XXXX, or something similar, as per the USPS return receipt. As of today, XX/XX/XXXX, no information concerning this debt has been forwarded to be and the calls continue to harrass me and my family. I called the office this morning and spoke with XXXX XXXX who refused assist in the matter and informed me to " report the infraction to whoever I wanted, that he didn't care ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX - Santander is absolutely lying and the CFPB has absolutely done nothing to help. First of all, the information in their response has nothing to do with the complaint, or very little ... THEY ARE ONLY REPORTING NEGATIVE INFORMATION WHICH IS ILLEGAL AND THE STATUS OF THE ACCOUNT IS INCORRECT! My credit reports show an open account with ONLY NEGATIVE REMARKS. Here is a confirmation number from an unanswered dispute/investigation from XX/XX/2017. XXXX. This dispute/investigation has yet to be answered by them and simply because of this, the account and its remarks need to be removed from my reports. The account is not open, and they can not ONLY REPORT NEGATIVE INFORMATION. IT IS A VIOLATION OF THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a Bankruptcy thats currently reporting on my credit file with Experian, XXXX and XXXX. This Bankruptcy was completely dismissed and should not be reporting on my credit file with Experian, XXXX and XXXX. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks
Product: Credit reporting or other personal consumer reports

Dates go from XX/XX/XXXX XXXX  through XX/XX/ Amount : {$1500.00} Action taken by company : No action was taken by company I am writing in response to a credit report that I recently received, which suggests that I owe some amount. However, I have not received any documentation or proof substantiating these claims. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards, therefore the data in my credit report can not be accurate and complete. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccurate information in my credit report. I wanted reported accounts remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off in the amount of {$12000.00} on XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This loan was opened fraudulently. I did not sign any documents, nor did I authorize this loan. I was not aware this account existed until I viewed my most recent credit report. This account was opened at a car dealership that is no longer in business. I have attached a copy of the XXXX XXXX Report that shows a printed version of my name, however nothing was ever signed and this printing of my name was done by someone else! I have filed a police report regarding this matter as well. This incorrect reporting of a charge-off that does not belong to me is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX
Product: Credit card

After XXXX XXXX  reported to me that a credit card account was opened with CBNA Wayfair/Mastercard by me ( which i did not do ), I called CBNA wayfair/mastercard and verified that someone committed fraud and opened an account in my name and used my social security number. They confirmed that the address was not mine nor was the phone number that was given to open the account. 
They immediately closed that account before the fraudsters were able to use it. There was no balance due. XXXX!!
Product: Debt collection

On XX/XX/XXXX Medical Data Systems company uploaded an alleged itemized bills, consent and outline for services. While reviewing the documents, there is not a signed Notice of Privacy Practices for XXXX XXXX XXXX for the services outlined in the documents uploaded for the service date. All medical documents you uploaded are for XX/XX/XXXX, HOWEVER the Notice of Privacy Practices for XXXX XXXX XXXX you all provided was for XX/XX/XXXX ( also has a different name signed than the other documents ). Please provide a Notice of Privacy Practices/XXXX to release my XXXX information to you all signed for the date of service. Please delete this information from my credit file. I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXXt of 1996 ) to protect my privacy and medical records from third parties. Please see a copy of the documents you provided to me from my first complaint. 

Please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

Experian and XXXX will not remove items reported with proper documentation off of my credit file they continue to keep the disputes going for over 30 days state they are fixing the issue but does not correct it even with the correct proper documentation
Product: Debt collection

On XXXX XXXX I bought a laptop from XXXX using personal XXXX credit card. I returned the laptop XXXX month later due technical issues that XXXX did not resolve. XXXX sent me a return document with the credit back to my personal XXXX credit account. XXXX XXXX  ( comenity ) still sent me bill payments. I sent to comenity the XXXX return document. I still receiving bill payments from comenity. I asked comenity to show me the document that make them collect money from me. They want me to call XXXX sales but they do not give me the contact information to contact XXXX sales. I called several times to comenity for updates to fix this issue in promptly manner, they cut off the calls or gave me phone numbers that are only answer machines without answering the question I asked. On XX/XX/XXXX I received a credit statement from credit karma lowering my credit report. 
Comenity do not want to fix this issue. I already told comenity that they lack of diligence will affect my credit report. Comenity is acting unprofessionally.
Product: Payday loan, title loan, personal loan, or advance loan

I seen that a inquiry was on my credit report and I would like to have it removed
Product: Debt collection

XXXX XXXX refuses to provide a paid debt letter after being paid the full collection the amount was {$2900.00} and they stated I should pay {$2000.00} and they would properly recorded with the credit agencies- to date they show a balance of {$840.00} though the debt was paid for {$2000.00} so it should be a XXXX balance. 
upon calling the XXXX XXXX  XXXX advised they own the debt but XXXX XXXX is reporting it as their debt on my credit - XXXX XXXX rep states she can't do anything about it because i filed a dispute which I did not. XXXX XXXX or XXXX XXXX filed an internal dispute and refuse to provide me with a receipt and a paid debt letter for my mortgage company.
Product: Checking or savings account

I was a victim of improper account deactivation. I am unfamiliar with their Chime app and by mistake, I added funds to my Chime account from my XXXX account. I tried to cancel the transaction but there was no such option on their Chime app. Now, they closed my account. In every email, they weren't clear regarding what documents Chime wanted from me. They questioned my source of funds and I sent them everything from my current salary slips, ID documents valid visa status. They wanted documents and I sent those to them according to what I best understood. I am a XXXX working at XXXX XXXX XXXX  and now Chime is holding on to my money. 

I by mistake transferred {$2700.00} to Chime and now they have closed the account and are refusing to refund my money. They are not being clear as to why are they forfieting my money There is no question of source of funds as I am on legal XXXX status and employed by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud account with amounts of {$4400.00} was opened on XXXX XXXX under my name by FAIR COLLECTION AND OUT but actually that was a mistake by the original creditor XXXX XXXX XXXX  XXXX. 
My credit score was decreased from XXXX to XXXX which is a big affect on my credit record. 
My attorney already contacted the original creditor ( sent them an official letter of requesting them to correct this ) to ask them to correct the mistake that they made on XXXX XXXX but the creditor didn't respond yet.
Product: Debt collection

there are several accounts on my credit report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I NEVER PURCHASE A CAR FROM THEM THIS IS FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1STB PROGRESS XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I closed my card in XXXX and authorized a XXXX time payment to get my balance to XXXX. The rep confirmed the account was closed. They allowed a pending charge to be transacted and never notified me that there was additional charges that they transacted despite closing the account. I only learned of this when they reported my account delinquent to the credit score company.
Product: Checking or savings account

Hello and thanks for your time. 

My wife and I do our banking with Chase, and three accounts had unauthorized ACH withdrawals by a fraudulent company by the name of XXXX XXXX. 

On XX/XX/XXXX, they withdrew {$3800.00} from our XXXX XXXX  son 's savings account. 

On XX/XX/XXXX, they withdrew {$8900.00} from our savings account, and another {$18000.00} from our checking account. 

We have never done business with nor interacted with XXXX XXXX, and we did not authorize any withdrawals from our son 's saving account, nor our checking or savings accounts. 

Research showed that this company does not exist, their phone number rings with no answer, their po box is false, and their physical address is in a shared office space that is not aware of their existence.

There are at least two other families in our community who have had the same thing occur ( unauthorized withdrawals by XXXX XXXX ) but with different banking partners. 

After learning of the transactions on XX/XX/XXXX, we immediately contacted the fraud department at Chase. We asked them to deny the charges, as they were still pending. We were told that the pending transactions would not go through, that they would be blocked. However, the charges did go through. 

On our XX/XX/XXXX phone call with Chase, they failed to assist in a satisfactory manner. We had to escalate our call to management, who also provided very little guidance. The following day, we went to our local branch, and a bank rep helped us by providing the necessary affidavits to sign ( attesting that we did not authorize the withdrawals ), and helped to close the affected accounts and open new accounts. Chase also provided a credit to my son 's savings account, but not to our checking/savings accounts. 

We also filed a police report with our local police department. 

This morning, Sunday, XX/XX/XXXX, we received a notification from Chase stating the following : " Thank you for contacting us about the transaction ( s ) on your account. Here 's what you should know : As we discussed and agreed, no action will be taken. 
This inquiry is now resolved. '' We had neither discussed nor agreed that " no action '' would be taken. Chase has apparently resolved the inquiry, and somehow decided that huge overdrafts of tens of thousands of dollars was acceptable, despite the fact that we called to let them know we did not authorize the charges, and that XXXX were debiting money directly from two different savings accounts, in addition to our checking account.
Product: Credit card or prepaid card

On XX/XX/2019, I login to my Capital One Credit Card account to review activity and to make a payment like normal. I got a message to send a pin to my cell phone, which I no longer have. I told them that I no longer carry mobile devices and could they send the code to my email address like they send my monthly statement. They told that that is not an option. They are forcing customers to download their app to an electronic device to review account activity. I understand they are trying to put security controls in place, but as a consumer that should not be the only option for me to view my account online. I have other bank accounts and they also have the same security feature that allows me to receive the security code via. email. I believe this is a strategic business tactic to force customer to use their app. 

In the attempt to give me other options, which I think is more of a security breach. They asked me if they can send the security code to a family member cell phone. If you are willing to send the security code to a non-customer cell phone, why you do not give me the option to receive the code via. email. This security measure is preventing me to access my credit card account online to make timely payments. 

Sincerely, XXXX XXXX
Product: Student loan

I signed up for the XXXX plan and was put on an admin forebearance. I was told after I submitted the application that it would take XXXX business days for processing. I havent heard anything and tried calling but havent gotten connected with anyone. Am I getting the 5 % rate? I saw an email was sent out about the XXXX plan still taking place and the change of 10 % to 5 % rate for payments taking place this month still as well. Also, what is the update on my application? I called and keep being transferred to a bunch of different people.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report, FTC REPORT NUMBER : XXXX, to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft or fraud and should be blocked : XXXX - XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted EXPERIAN several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union refuses to remove an account that was determined not mine. The company XXXX XXXX  verified and confirmed the account has a different last name than mine. I have submitted a copy of the letter from the company XXXX XXXX XXXX. This account has been removed from My other credit reports. XXXX has removed this account and XXXX has removed this as well. According to FCRA inaccurate reporting after investigation is an violation. It is my right as an consumer to have accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a XXXX in XXXX of XXXX and Citi continues to report that I owe the entire balance of {$960.00} as of XXXX XXXX XXXX. Below is the letter that I faxed on XX/XX/XXXX ( XXXX ) to Citi 's XXXX XXXX XXXX 

XX/XX/XXXX Citi Bank XXXX XXXX XXXX XXXX  XXXX Good afternoon, I am writing regarding my Brooks Brothers ( XXXX ) account, I was given a cancellation of debt, form 1099-XXXX which states that the creditor ( Citi Bank/ Brooks Brothers ) has cancelled this debt and no action is required. 

I am also aware that the amount in question has already been filed as income under my XXXX taxes, therefore I have already settled the balance in full. 

I called on XX/XX/XXXX and spoke with XXXX and she informed me that since a 1099-C was issued that there is no option to make a payment on this account, but that she would notate my account. 

I called on XX/XX/XXXX to investigate further, and XXXX gave me the exact information that XXXX gave me, this debt has been cancelled and since the 1099-C was issued in XXXX, I settled this debt via my tax return. 

I am in the process of purchasing a home and this account is impacting my credit score, it shows that I have been carrying this balance for the last year, but that cant be possible since I was issued a 1099-C. I need to have the account balance updated to {$0.00}, or I need this account to show as settled in full, or I need this account completely removed from all three ( XXXX, XXXX, XXXX ) credit accounts. 

Once the account has been updated to {$0.00}, settled in full, or removed, I am requesting that someone contact me via email ( XXXX ) no later than Friday, XXXX XXXX XXXX 

Thank you for your prompt assistance regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..
Product: Debt collection

CAINE & WEINER COMPANY INC is the collection agency, XXXX XXXX is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX XXXX XXXX ) that I am disputing the debt. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.