23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a payment plan with XXXX and they still continue to call myself as well as my family members about this debt almost daily. We had to get new phone numbers because they continued to harass us. They have never validated this debt either to me and I only decided to pay this account in hopes they would leave me alone. I have contacted them multiple times regarding this and they deny that this is happening. When we answer the calls they refuse to tell us who they work for unless we verify who we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written all 3 credit bureaus several times and disputed XXXX bankruptcy filings that show on my consumer report. Furthermore, It has been more than 30 days for the bureaus to respond and delete this from my report. Finally, I have written to the United States Bankruptcy court myself to find out why they were reporting these bankruptcy filings as mine. The court issued the attached letter which clearly shows that neither of the credit bureaus contacted or verified anything! I humbly request your department to look into this matter and FORCE the credit bureau to follow along and not further escalate this matter by depriving me of all the protections given to me with the Fair Credit Reporting Act. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been fighting with these credit reporting agencies for some time now, about incorrect information on me reports. I had a   XXXX   XXXX   in  XXXX , afterwards I filed a chapter  XXXX  bankruptcy to handle all my business expenses and medical bills.I also became a corporation at the same time to protect myself. All my medical bills went into my chapter XXXX  bk reached and still showing as open. Then I had my   XXXX   XXXX   ni  XXXX   XXXX , and until recently I have not been able to address these issues. I am peralized from the right side, and my speech is gone. I have a medical bills that are on my reports sill that they refuse to fix,   XXXX   XXXX   XXXX  , and  XXXX   XXXX   XXXX  ,   XXXX   have been reached and are showing still open.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  will still not update the credit reports. 
I am doing a transfer and the new lender can't get the correct info off the website for XXXX  or other as they won't update paid off accounts,. 

XXXX XXXX, XXXX XXXX and XXXX online.
Product: Credit reporting or other personal consumer reports

It has come to my attention that accounts accompanied by an FTC report are not being removed, despite this being mandated under FCRA section 605b. Should the accounts listed below, which are inaccurately reported due to fraudulent activity, not be removed, I am prepared to initiate legal proceedings through my attorney. My preference is to avoid legal action, so I urge compliance with the law. The accounts in question, opened fraudulently without my consent or knowledge, include : XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX. If these accounts are claimed to be accurate and verifiable, I request copies of any related documentation bearing my signature, which I believe does not exist. Without such documentation, I formally request the immediate deletion of this information from my credit file. For your reference, my new FTC number is # XXXX.
Product: Debt collection

XXXX offered discount to XXXX  employees on non contract I switched for {$30.00} a month they never honored that price for they adjusted billing to what they offered Ifor approx 2/3 months then said they couldnt honor price they advertised very stressful and phone never worked this offer was emailed to employees approx XX/XX/XXXX phone never worked I returned it and used my own phone. I was promised account would be cleared for misrepresenting I disputed first collection and was taken off my report now have another collector coming after me says attorneys this account was horrible nightmare Im back with XXXX. False advertisement bad training of employees and false promises item never worked and they are charging a phone that I returned never worked. I left with manager that ran that store horrible service no training - checking data it will show phone connected was my own please help get these creditors and XXXX harassment my XXXX XXXX is bad enough harassment of collectors is taking its toll Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF EDUCATIONXXXX : Account number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from One Main Financial. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem corrected immediately
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$520.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion to remove unauthorized hard inquiries on my credit report.They refused to allow me to dispute the two inquires that I did not authorize. I demanded I speak to a supervisor and was told that a supervisor was not available. I am wanting to get the inquiry 's that I did not give permission for to be removed immediately.
Product: Money transfer, virtual currency, or money service

i sent some money internationally and i don't know what happened to the money but i know for a fact it was not picked up so they automatically sent me that i'll be refunded shortly. The refund was processed on XXXX XXXX XXXX and the money was first sent in XX/XX/XXXX, XXXX it's been over a month now and i still did not get my refund not even an email. i've got multiple case number but here is the last one i was give. XXXX and here is the tracking number MTCN XXXX.
Product: Credit card or prepaid card

GoldmanSachs increased the XXXX on my credit card retroactively back to XXXX and notified me of this change on XXXX. They increased the interest rate on my card by .25 % and did not notify me of this change prior to this taking place. I was not able to make correct financial decisions due to GoldmanSachs not properly notifying me of a change in my interest until after the change took effect. Had I known that my rates were going to go up I would not have made certain purchases. I spoke with a manager on the phone who informed me that the bank is not responsible for notifying customers of XXXX changes on their cards. And indicated that the federal government notified the public of these changes on XX/XX/16 and that I should be watching the news. I explained that it is the bank that needs to notify customers of their changes prior to them taking effect. As I was not notified of these changes I now have a larger fee due to the bank 's choice not to tell me about upcoming changes. The manager informed me that GoldmanSachs has the ability to change interest rates and not notify customers of those changes. Which I find incredibly scary. It is unethical and financially abusive. I am incredibly upset with the way that I am being treated and lied to by the manager I spoke too as well as the bank as a whole. I am attaching a copy of the letter received by the bank AFTER the changes went into effect.
Product: Debt collection

Im a victim of identity theft back in XXXX before I had a account with XXXX wireless someone had took out a phone. I went to the police and reported it. The police had seen that I did not have anything to do with the account because it had wrong information. I had to contact the credit bureau and had a 7 year protection which lasted till XXXX of XXXX. In XXXX of XXXX I took out a phone and seen my bill was outrageous. I did not know when I walked out the store they had took XXXX more lines and phones. When I contacted XXXX they couldnt locate where the phones came from there was no tracking number. The manager from the store got fired and was never seen again. I contacted XXXX to tell them whats going on and nothing. They gave my case to collections were I had explained the situation all over and even sent them the police report and nothing has been done either. They do not want to remove the account even with proof. The bill is XXXX dollars for XXXX phone. But in there system they were telling me it was XXXX lines and XXXX phones theyve changed there stories numerous times which I have no control of the computer. Everything is noted but they wont send me the bill or anything with details. I need help and I know that they owe me the same amount there asking for because I was paying XXXX a month for XXXX phone plus my trade in. Rpm does not listen nor care about the situation. I get different answers all time some are rude where it gets to the point they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Santander Consumer has violated my rights. 

15 U.S. Code 1681 Section 602 States I have the right to privacy. 

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

15 U.S. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under CBNA, which after many phone calls, I found out it was CitiBank. I called them and was told I would have to call XXXX, which I did and then was told Citibank should be helping me. Being somewhat frustrated, I talked to a fraud expert at Citibank who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.
Product: Credit card or prepaid card

I used my  XXXX   XXXX  rewards  MasterCard ( Comenity )  to acquire a balance transfer to pay off anothet credit card. On  XXXX   XXXX  my account was charged  XXXX . I was charged for the balance transfer but it was not received by my other credit card.    XXXX   XXXX  wrote to me to verify the transfer was unsuccesful and my account would be credited. That was on  XXXX   XXXX  over 60 days ago.   I have not been credited and I also paid my other credit card through  XXXX  off myself.
Product: Credit card or prepaid card

Complaint XXXX about COMENITY CAPITAL BANK. I filed a complaint before comeninty Capital Bank said they would reverse the erroneous fees and close the account. However again I received a statement for months worth of Applied fees and interest on a XXXX balance account which I have been trying to close for months. They sent you a letter agreeing to reverse the fee and close the account. This did not happen. What is my next step in having this company correct this problem? I have stopped shopping the store as a result of this annoying issue. Please advise. 
XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. 
System Error : There was a system error on XXXX XXXX platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

They call multiple times a day every day of the week. One person left a voice mail message and called me a XXXX. It is not necessary to call several times a day every single day. Yesterday they called at XXXX, then 2 hours after speaking to me. After telling me the would " push '' the call ( meaning they would n't call again ) they called 2 more times. This is harassment and it needs to stop
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was receiving alerts from XXXX telling me that there was charges being done on my account through text. I proceeded by calling XXXX to see what was going on with these charges and a guy answered and told me that there were two charges trying to be put through my account and that he could help me to pinpoint where exactly this was going on to stop the Chargers. He proceeded by telling me to download an app in which I answered I do not feel comfortable with this. He responded to me ma'am you called XXXX and I answered from XXXX to help you and I said yes he said I will send you a code from XXXX so that you can verify this is legit. So he proceeded to send me a code in which I got on my phone so I went ahead and continued to follow his directions. He had me download an app and as soon as I downloaded the app my phone was hacked he took over my phone in which he entered through my bank account and proceeded to tell me that this was just to trap the people who were trying to put this fake charge on my account I asked them to stop and I ran over to the bank immediately which is about 5 minutes away from my house and by the time I got to the bank he realized that I was on the move and I lost connection of him I told the bank what was going on and they had me sit in a room on the phone with their fraud department approximately 3 hours. In which by the time they came to help me on the phone they told me it was too late the money had already been sent. I asked them to stop it I told him it was not me I was told that I would have to wait to find out what would happen. I'm now being told by this Bank that they can not help me because I authorized this which I did not and I asked them to stop it. The amount withdrawn was {$940.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. These inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX Type of Business : Personal Loan Date of Inquiry : XX/XX/ Creditor Name : XXXX Type of Business : Bank Date of Inquiry : XX/XX/ Creditor Name : XXXX XXXX Type of Business : Finance Date of Inquiry XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXXXXXX Type of Business : Auto Date of Inquiry : XX/XX/ Creditor Name : XXXX XXXX XXXX Type of Business : Auto Date of Inquiry : XX/XX/ I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.
Product: Credit card

CAPITAL ONE is refusing to stop reporting on my two closed accounts after being charged-off. 
They closed my accounts because I submitted payment in full using negotiable instruments, which they kept and did not return to me. 
They also claimed there was unauthorized activity on my account, but would not tell me what the 'unauthorized activity '' was. 
WHEN AN ACCOUNT IS CHARGED-OFF IT BECOMES INCOME. 
I HAVE ALREADY PAID TAXES ON THOSE ACCOUNTS AND CAPITAL ONE KEEPS REPORTING THEM AS LATE ON MY CREDIT REPORT. 
THIS IS CAUSING ME A LOT OF HARM AND INABILITY TO OBTAIN CREDIT AT ALL. 
CAPITAL ONE IS VIOLATING THE PRIVACY ACT OF 1974, 5 USC 552 ( a ) BY REPORTING MY INCOME ON MY CREDIT REPORT. 
I HAVE NOT GIVEN THEM MY WRITTEN CONSENT TO DISCLOSE SUCH INFORMATION. 
I WANT THE INFORMATION ABOUT MY TWO ACCOUNTS : XXXX and XXXX REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name-XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions