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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items. Thank you. 
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
Product: Credit card

I was notified XX/XX/XXXX of a digital letter sent by Synchrony Bank that I can access on their website. The letter informed me of my credit limit being lowered, effective immediately. Then, XX/XX/XXXX, the day my account was closed, I was notified of another letter, also on Sychrony Bank 's website. The letter was informing me of the account closure, also effective immediately. Today, XX/XX/XXXX, I requested information reguarding the closure, as I was incapable of accessing the letters on their website. I just had learned that my account was closed, and that they closed my account not based on delinquencies on payments to them, but payments to other creditors. I was not given prior 45 days notice as required by the Credit Card Act of XXXX, and seek a resolution be met.
Product: Credit card or prepaid card

We paid for a concrete pour service from XXXX XXXX on XX/XX/18 ( which would not take place until XX/XX/18 ). On XX/XX/18, we canceled the service ( there was no cancellation clause in the contract, and it was timely cancellation since it would not have taken place until XX/XX/18 ). Then we didn't hear back from XXXX XXXX despite many calls and emails. 

Our credit card company XXXX XXXX PREFERRED credited this charge at first but then reversed it - asking us to support with other information which we did throughout these past 2 months. They have since closed the case despite these circumstances : 1 ) We never got the service we were charged for. ( another concrete vendor wrote a letter to XXXX in our defense saying the work was never done ) 2 ) We tried to cancel timely. ( see contract - no cancellation clause ) 3 ) XXXX XXXX is a fraudulent company ( see the recent XXXX complaints, XXXX station in XXXX will also do a story on them about them ripping people 's money ) 4 ) We have provided everything possible that they have requested. 

Citibanks investigation did not even ask for the cancelation clause, even though that is why they initially ruled in the merchants favor. If they had done a proper investigation none of this would have happened. Citibank employees have told me numerous times to submit documentation, the claim was open all to be told later by a senior supervisor XXXX XXXX XXXX that none of that is true and after XX/XX/XXXX deadline nothing else mattered. They are very incompetent and had they discussed how the dispute should have been filed ( cancellation vs no services received ) we also would not be in this situation. Citibank blamed the rules on Mastercard/Visa rules about timelines, but they were the ones that caused this because they did not properly investigate. I am happy to provide more explanation because this should be a very logical dispute that should have ruled in our favor. 

Somehow the merchant and the merchants bank stated services were done, obviously not true and why would Citibank just accept that was true??
Product: Mortgage

I had a home but lost it to foreclosure. I started with a low manageable payment but yearly it increased to an unmanageable amount. I had to XXXX lose my truck cause i wanted to keep the house then eventually i lost the house.
Product: Credit card or prepaid card

During a 4 or 5 day period XX/XX/XXXX my XXXX account was hacked by someone in XXXX, NY for purchases totaling nearly {$4000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been in communication with both XXXX and Citibank since this time. I've also reported to police departments and others. The hacker added a name and XXXX, NY address, I never authorized anyone to use my account and have never given the information to anyone and I am XXXX XXXX XXXX and live in XXXX and have shopped with XXXX for many years and been a Citibank client for more than 50 years. It's a year since the unauthorized charges were made to my XXXX. XXXX XXXX XXXX XXXX wrote XX/XX/XXXX ( in part ) " We have requested your card issuer to close the dispute in your favor. Therefore, we no longer need to charge your account for this order. My Citibank account has not been credited except for " Security Credits '' XX/XX/XXXX and XX/XX/XXXX. A XXXX XXXX is a charge that may be subsequently demanded from me. I've been to my local Citibank several times. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, SD XXXX sent an UPDATE ( in part ) : " We're looking into the dispute. '' At age XXXX, I'll be dead before this is properly credited. I need help. Please.
Product: Payday loan, title loan, personal loan, or advance loan

I was contacted by this company called MMG Law Group. They continuously called me for months spoofing their number. I got tired of receiving phone calls and called back to tell them to stop calling. They made claims that I took out a loan in XXXX and didnt pay it back. I never took out a loan that year. They told me I could settle for {$1000.00}. I told the lady on the phone that I would report them for fraud and she started screaming. Then I received a letter in the mail stating I need to pay them back. I ignored the letter and I looked at my credit report this morning and there is derogatory mark for not paying {$500.00}. It decreased my credit by XXXX points. The company has a website if you google MMG Law group. Published in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. The phone number is ( XXXX ) XXXX. I was scammed in the past using the same technique.
Product: Debt collection

XX/XX/2021 Account XXXX Capital One Resurgent Capital Services, XXXX XXXX, and XXXX ( unsure where debt is ) vs. XXXX XXXX Several times over the past year, Capital One has REFUSED to take responsibility regarding the above account. They have stated AGAIN and AGAIN that they are unable to provide additional information or take action on your account. First of all, again, for the 100th time, I never opened up this account, I never used this account, and I tried to make a deal for removal, but Capital One refuses to comply even to a deal. I have, nor will I ever say that this debt is mine, and I will continue to make complaints until the account is no longer viable and easily removed. 
All of Capital Ones responses per their letters are unacceptable, and I request again that they make right an account that THEY opened up without even calling me or making sure it was me. Capital One will continue losing money every time I make a complaint, and they are criminals for neglecting their duties, first in opening the account in the first place and then refusing to fix their mistake. Capital One has NOT provided a complete previous response fully addressing my concerns. Capital One needs to MAKE RIGHT WHAT THEY HAVE DONE. They scammed me then sold the debt so they can release themselves from what theyve done. I want justice, and I dont want to be shuffled around to other collection agencies because Capital One doesnt want to deal with me. If I have to send 1000 letters, then I will, and each time you will lose just that little bit more with your scams. 
Capital One has unjustly hurt my credit, opened up a fraudulent account under my name, and denied me proper paperwork for countless months. They have also tried to send the debt to at least three debt collectors, and I will not tolerate it. I want results.
Product: Credit card or prepaid card

This claim is a continuation of claim XXXX which was closed without resolution. 
I have had a XXXX  credit card with XXXX XXXX XXXX since XXXX, with a credit limit of {$16000.00}. I have had no problems with the account until the transition from XXXX XXXX XXXX to Comenity Bank in the first week of XXXX. I made two payments to my act in the amount of {$5000.00} each, one from my XXXX XXXX Account on XX/XX/XXXX and another {$5000.00} payment from my XXXX XXXX  Account on XX/XX/XXXX. The latter payment was never credited to my account, and remains so to this day. I have submitted proof of payment provided by XXXX XXXX, who volunteered to doi a conference call to sort this out. XXXX XXXX  was told that Comenity would not allow third party involvement, though this is the bank that made the payment. 
Furthermore, I was assured at the beginning that the disputed balance, interest and fees would not be reflected on my statement until after resolution. In spite of this the ( paid ) balance, interest and fees on same, have shown continually on my statements. This behaviour by Comenity Bank has harmed my credit rating and good name. This has caused me to lose much sleep as well as having no credit card to use. I never activated the card as I do not trust Comenity Bank. 
I have no debts at all ; vehicles and properties are all paid for. My debts to XXXX XXXX XXXX and Comenity are all paid off as well. I owe zero, the same can not be said for Comenity Bank. This should have been a simple ledger correction, yet Comenity Banks failure to address this in a timely and competent fashion finds me in continued financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act .The list of accounts Below has violated my federally protected Consumer rights to Privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights XXXX  Account # XXXX Has Violated my rights XXXX XXXX XXXX Account # XXXX Has Violated my rights Account Status, Date open last reported date, payment status, date last active date of last payment here are just a few ways I was taken advantage of but id you will read the list below are even more violations that effect Me the Consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 U.S.C 1681 section 602 A. States I have the Rights to privacy.

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

All of which has been Violated
Product: Credit card

The company, XXXX claims I have a credit card with them, which I do not, and XXXX me for money monthly, more each month. I dont see any charges. 

I wrote and explained I was the victim of ID theft in XXXX which caused me to need a new SIM card, new bank acct and I am on my THIRD debit card because of continued false charges on my acct. Fortunately my bank and XXXX are vigilant. I was contacted by people claiming to be XXXX trying to breach my acct. I have reported all this previously. 

I have been discharged from bankruptcy. My only income is Social Security. Fortiva continues to harass me. I DO NOT OWN a credit card.
Product: Credit reporting or other personal consumer reports

This is formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information the information below in my credit profile and that you failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated since I made a complaint with TransUnion File Identification Number : XXXX and results came out VERIFIED AS ACCURATE AND UPDATED. ( attached file ) Account 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
Product: Debt collection

I receive multiple phone calls every day, even weekends from a recorded message from credit acceptance corporation. I have no debt with them and my credit score is high. I have learned not to try and talk to debt collectors and wait until they mail something so I can dispute it. 

It seems from my research that this company does car loans but mine is paid off. Every call leaves the same recorded message. I estimate 3 to 4 calls a day from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.creditacceptance.com
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this servicer ( Specialized Loan Servicer, XXXX XXXX XXXX. # XXXX, XXXX XXXX, CO XXXX XXXX ) ( XXXX ) has been negligent in the way they handle their clients information. They continue to report business loans on my personal credit in error. I've called them on similar previous issues and after much time and effort they would acknowledge the error and remove the incorrect reporting. This is happening once again, they now show one active account on XXXX credit report ( after i complained it showed on my XXXX and they removed it ), balance of {$100000.00}. They also still show multiple " closed '' accounts on my XXXX report that is impacting my credit report. Please please please make sure they correct these errors and prevent them from reporting incorrectly again, this is preventing me and my new wife of purchasing our new home with all these commercial loans showing as active or closed on my credit reporting agency reports. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was not open by me and I have contacted the company and told them this was not me and the account was opened during a time when I moved and somehow someone got my personal information but I have never had a XXXX XXXX card and would like this taken off my report
Product: Bank account or service

I set up for on-line to pay bills, XXXX of payees were sent to incorrectly. Called to let them know, had tooken place on XX/XX/2016. Took my info, and stated they would start an investigation for payments. Informed me it would take 10 days. As of today it has been 12 days with no response from Wells Fargo. Because the institution sent the payments, I would get funds returned immediate. Called today and was on phone with XXXX different representatives, with no avail. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that my personal information on my credit report was not right my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete these addresses immediately as am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report dated XX/XX/XXXX, I found an unauthorized collection account and several fraudulent hard inquiries : Collection Management ( Opened : XX/XX/XXXX, Balance : {$1200.00} ) The following unauthorized hard inquiries also appear on my Experian report : XXXX FL XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO ( XX/XX/XXXX ) These fraudulent accounts and inquiries were not authorized by me and resulted from identity theft.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 extortion. 


XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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
Product: Vehicle loan or lease

I have been contacted excessively over the last 2 days and threatened with a class d felony by a retired XXXX XXXX that is now a XXXX XXXX. I also did not give permission for my number to be given out by the original credit lender. This loan is in my mother 's name and I had tried helping her catch up on payments by calling in. My number was given out without my permission to the XXXX XXXX.i want to know what can be done about this. I have recorded voice mails left that will verify any information I have stated in regards to the threats from this XXXX  and company.
Product: Credit reporting or other personal consumer reports

TransUnion dispute regarding an inaccurate account balance on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX 

Dear TransUnion, I am writing to formally dispute an inaccurate account balance reported on my credit report.I reviewed my credit report and found that the account listed below has an incorrect balance XXXX XXXX  account balance is wrong. The remaining balance is not {$290.00}. the remaining balance is XXXX Please correct this matter promptly. 

I will attach a screenshot showing the remaining balance. 

Please correct my account balance accordingly. I would appreciate your prompt attention to this issue and request that you send me a written/email confirmation of your findings and any actions taken. 

Thank you for your assistance in resolving this matter. 

Sincerely,
Product: Checking or savings account

In XX/XX/XXXX i filed a dispute with Bank of America as someone opened two accounts in my name. I sent a police report and Bank of America said they will investigate and get back to me. Over two years I actually remembered and called them in XX/XX/XXXX.bank of America said they emailed me the results but had the wrong email, which is a lie! 
1 of the accounts were cleared however the other was not because they couldnt see that far back ( XX/XX/XXXX ). So I disputed that one as well, and again was told they would contact me. Now its XX/XX/XXXX and when i called, they claimed they could not reach me? Lies!! 
Over two in a half years and yet no results? Even after i did what they asked me to do.
Product: Prepaid card

I received a prepaid {$26.00} XXXX Citibank XXXX card as a refund for overpayment after cancelling my service in XXXX 2015. I recently discovered that Citibank XXXX has charged a monthly {$3.00} account maintenance fee since XXXX for not using the card on a monthly basis. This has caused the card to go down to {$14.00}. When I contacted Citibank they said that this was the terms & conditions that XXXX initiated. I did not agree to these Terms and would not agree to such terms since this is a refund of services paid.