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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX  : {$30000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX  XXXX  XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX  : {$0.00} XXXX/XXXX  XXXX XXXX  : {$300.00} XXXX XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX : {$0.00}
Product: Debt collection

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : Credit Acceptance & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you. Sincerely, XXXX XXXX
Product: Debt collection

They removed it off in XXXX they XXXX was filed debt was discharged at XXXX balance and regst are a company that. Bought an account that was XXXX and at XXXX balance they are trying to collect a debt that I do not owe I have never or have a contract with Debit Zion holdings I have never signed a contract with them nor Have I given them any permission to access of my personal information that has been sold to them. I have also hired an attorney to have them. Stop placing inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance Owed : {$28000.00}.
Product: Checking or savings account

On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank On XX/XX/XXXX XXXX was transferred from XXXX XXXX to citi bank to take advantage of high yield savings account. 
On XX/XX/XXXX I received an email from citi bank that my account had been closed : Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. 
As a result, your Citi ( R ) Accelerate Savings account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 
With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. 

I called and they were unable to provide any information except that large transfers sometimes triggers and automatic account closure. They said I should file a reversal with my XXXX XXXX XXXX or wait 60 days. I filed a reversal with XXXX XXXX and they said because the funds were intentionally sent that I would have to wait and deal with citi bank. 

On XX/XX/XXXX, I contacted citi bank to ensure that funds would be issued promptly and they said they would take 5-7 days to issue a check and they had the correct address. On XXXX I still had not received a check so I contacted them to see what was going on and was told they would not issue my funds back to me and that XXXX XXXX needed to request the return of these funds and that no check would be mailed. XXXX XXXX told me they had already completed this process and that it was not their responsibility and that I should take it up with Citi bank to get my funds returned. Now nobody at citi bank will give me additional information on how to get my funds back and XXXX XXXX has said they have done all they can do. 

This is a large amount of money for me and I need access to these funds. I'm also currently not working due to recovering from XXXX from XXXX XXXX XXXXXXXX and this is threatening the financial security of my family.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXXXXXX XXXX  Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information? 

I clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. 

It has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. 

Furthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. 

In light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX  Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

Everyday Equlifax tries charge me XXXX, in XX/XX/2023 they had refund me for services I never had. I even changed credit card number my XXXX  and Equlifax still process it without ever having my new credit card number. I have email from no-reply.email.equifax.com shown payment process couldn't happen and will try again next day. I have card account blocked, so if money in there Equifax can't get it. If this fails I'm prepared file massive lawsuit with lawyers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't get a chance to reply to the other complaint because it was closed out by cfpb whenever the company respond but I'm responding one last time I have filed numerous complaints against XXXX XXXX XXXX and CLEARLY we are not on the same page I am not talking about a refund about a warranty because I have already received that {$60.00} dollar check I AM TALKING ABOUT MY CREDIT REPORT AND MY CREDIT SCORE IT WAS NOTED AS CLOSED PAID ON SOME CREDIT BUREAUS AND CLOSED. WHY IS THAT I DONT KNOW WHY.. MY CREDIT SCORE DIDN'T GO UP BESIDES DROPPED I DONT KNOW BUT WHAT I DO KNOW I HAVE CONTACTED THE VICE PRESIDENT AND PRESIDENT AND LET THEM KNOW OF THE SITUATION AND WHAT I DO KNOW I WILL SEEK LEGAL ACTION IF THIS PROBLEM IS NOT FIXED. I KNOW IF ANYYYY ACCOUNT IS PAID IN FULL YOUR CREDIT SCORE WILL REFLECT WITHIN 30 DAYS IT HAS NOW BEEN 90 AND NO ADJUSTMENT SO WHAT I WILL TELL YOU IS I HAVE CONTACTED A LAWYER AND IT WILL NOT BE NO MORE COMPLAINTS FILED AGAINST XXXX OR THE OTHER CREDIT BUREAUS THE ONLY THING YOU WILL RECEIVE IS A LETTER SEEKING LEGAL ACTION IF THIS ISSUE IS NOT FIXED. You'll HAVE LIED ABOUT FIXING THIS ISSUE numerous times and by the way all of the consumers are having issues with XXXX I think it's time for a lawsuit AND IM DONE. NO MORE TALKING JUST ACTION.
Product: Credit reporting or other personal consumer reports

see attached 15US Codes 1681A Definition rules of construction paragraph 2 titled exclusions state " that transactions do not report to the consumer report '' late payments are a form of transactions and by late payments reporting to the consumer report is actually a violation of a Fair Credit Reporting Act, so a violation of the late payment is a direct violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

This is a US Bank Visa debit card. I'm forced to use it to collect unemployment in the state of Pennsylvania. My card was frozen by the bank unknowingly. I contacted bank once I realized I couldn't move funds into my normal checking account. Operator said it was because they needed me to verify who I am. I sent selfie and copy of my state ID. I also uploaded my social security card and bank statement to my account. I was told all last week that this process would take 24-48 hours and account would be active again. It's now a new week and my account is still frozen. I spoke to two operators yesterday who claim that the issue has been lifted but the second operator said for some reason he is unable to make my card work again. More waiting and being told to give it another week and keep checking my account and if it's not lifted by next week to call back. My money is being held and each operator just lies and says " wait more days ''. It had gone from 24-48 hours to now check back next week. This is unethical. I have bills to pay and this " bank '' is just saying whatever they want to get you off the phone. Long wait times ( 1-2 hours ) to speak to someone. Sometimes while on hold for over an hour they disconnect the call. Once you do get through its a game of telling you lies to get you off the phone. No one has any ability to do anything for you. 

This all started on XX/XX/XXXX. Amount in account is {$280.00} with another {$210.00} being deposited tomorrow. I'm reading online reviews from others that they are dealing with the same situation for 30-45 days. I do not have a month worth of time to not have access to my money. The information they requested was sent. I did my part but they are purposely not doing they part. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE HAD THE CHANCE TO REVIEW MY CREDIT REPORT AND I STUMBLED UPON A FEW ACCOUNTS THAT ARE REPORTING AS DEROGATORIES. THIS HAS CAUSE MY CREDIT SCORE TO DEOP TREMENDOUSLY. IT IS NOT FAIR TO ME BECAUSE I HAD NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL FILE. I HAVE NO KNOWLEDGE THOSE INACCURATE FILES AND I AM REQUESTING A REINVESTIGATION INTO THIS MATTER. PLEASE HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE.
Product: Student loan

The issue I am having is with XXXX XXXX XXXX XXXX XXXX. I owe a considerable amount in student loans and am facing a monthly payment that is not achievable for me at this time. I graduated with my second XXXX XXXX degree in XXXX 2016 and my payments for this company began in XX/XX/XXXX, little over a month after my graduation. My payments are ~ {$700.00} per month and my income is XXXX {$1000.00} per month. I have called multiple times to try to reduce my payments and have been told that I have already utilized all forbearance/deferment options and that there is absolutely no possible way to lower my payments. I explained that I would be more than happy to make regular payments, but just at a rate that does not include 70 % of my monthly income. I was told there was nothing I could do and that my account will default after 120 days past due and be sent to collections. My co-signer ( my father ) has come under difficult times : he was laid off and has since had many health issues, has undergone XXXX treatment, is currently applying for XXXX XXXX XXXX, and has no way of assisting me financially. I spoke to a manager at XXXX XXXX and explained the whole situation, and she even agreed with me that it would make far more sense to lower my payments than for my account to go to collections, where they would be unable to collect anything from either me or my cosigner ( because we do n't have anything of any monetary value to collect ), however she stated there was nothing she could do and told me to try to borrow it from someone else. I have no other options. I am doing my best to find full-time work that will pay for this. In the mean time, the past few months I have been paying the {$700.00} to keep it out of collections and not paying for other necessities ( e.g. other student loan payments, rent, food, etc. ). I am truly putting forth my very best effort to stay in good standing with this company and meet all of my financial obligations, however this is just not reasonable. I would very much appreciate any help/advice you can offer me to remedy this situation.
Product: Vehicle loan or lease

Company could not accurately explain why auto lease suddenly appeared as CURRENT on credit report after being closed for 8 years. 

Company wanted approximately {$350.00} from me in order to remove notation eventhough credit report clearly states that the issue was resolved. 

Credit report says that this auto lease is current and that I have been making payments to them for years, eventhough account was and is closed.
Product: Credit card or prepaid card

I was charged two late fees by Bank of America in XXXX and XXXX of XXXX. 

In my XX/XX/XXXX statement, a late fee of {$35.00} was charged for no payment in XX/XX/XXXX. I had made a payment in XXXX but according to Bank of America, it was received a few days after the due day so I was assessed the fee. According to XXXX, my payment was processed on XX/XX/XXXX. I had never been late in prior months and assumed it was because of a processing issue at the bank or human error - mine or other. I asked Bank of America if they consider waiving the fee as a courtesy and I was told no as my payment was late. 

In my XXXX statement, a second late fee of {$35.00} was charged for XX/XX/XXXX. According to Bank of America- my payment of XX/XX/XXXX, was applied to XX/XX/XXXX, not for XXXX. 

I contacted Bank of America in late XXXX to explain how unreasonable it was for them to charge me two late fees when I had made a payment during the period. After several calls, I closed my account, paying the balance in full minus the two late fees. I had offered to pay one late fee but not two. I did not receive a subsequent statement and no longer had access to the account through the online portal, and as instructed tore up my cards. 

In XXXX and XXXX, I continued to receive emails about the {$70.00} plus interest but no statement. 

On XX/XX/XXXX, I made one last attempt to resolve the issue with Bank of America. I was told they could not waive the fees and interest because there was {$5.00} remaining on the account that needed to be paid. I paid this amount while on the phone with Bank of America. I was told the two late charges totaling {$70.00} and associated interest would be returned, bringing the account to zero. 

In XX/XX/XXXX, I received an email requesting payment of the {$70.00} plus interest. I called Bank of America, I was told that after a second review, they had decided against returning the funds, even though I had been told otherwise. 

All the while, Bank of America is reporting my account as past due, which is adversely impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXXS, TX XXXX, XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX RV Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX
Product: Debt collection

Glasser and Glasser law firm has made it incredibly difficult to resolve my consumer debt. They attempted to take me to court on XX/XX/XXXX, however did not do their diligence in confirming they had the right address. I only found out about it after the court date passed when a former housemate notified me. I have been attempting to reach them several times, however they will not answer the phone. I have waited as long as an hour on hold, only to have the line disconnect. 
I have submitted XXXX requests via email to have someone contact me regarding the account as I am seeking to resolve the debt. My online portal access shows a {$0.00} balance, however I believe that to be incorrect. The first request was submitted on XXXX and I finally received a call on XX/XX/12 at XXXX. The representative informed me that there was a cease and desist note on my account and I had somehow signed over power of attorney to a debt resolution company. I told her I was familiar with using a debt resolution service, but was not away I would sign away my rights to advocate for myself and handle my own affairs. She would not disclose ANY information to me and seemingly brushed off the concerns. I then submitted another request via their website on XX/XX/12 as I was hoping to figure out what needed to be done to revoke the apparent power of attorney and cease and desist they have on my account. 
I made some incredibly poor financial choices around the age of XXXX. I am now XXXX XXXX XXXX and want nothing more than to reasonably resolve my debts and take accountability for my past choices. This company is making that nearly impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm beyond exhausted trying to get Experian to correct the numerous errors on my file! 
I 've called them several times and written them as well. I have all supporting documents that back up my disputes I have sent Experian my police report and all other documents to have them look into this matter. Experian is reporting accounts that I have no knowledge of and that do not belong to me. Some of which were previously deleted and reappeared! When I complained through the BBB they stated they could n't find my file in their system. My Experian file number is XXXX. The accounts are the following listed : XXXX XXXX, XXXX, XXXX XXXX and XXXX. XXXX XXXX is absolutely inaccurate! This debt buyer was sending me fake robo-signed court documents which I hired an attorney for and they were served a cease and desist order! Experian is taking a huge risk being that portfolio recovery was ordered by a judge to terminate false reporting. The CFPB sued XXXX XXXX ( File No. XXXX ) where XXXX XXXX was ordered to pay {$19.00} XXXX in consumer relief and {$8.00} XXXX in civil monetary penalties. XXXX is still falsely reporting for an account I never had! This is my final warning to Experian as they have ignored my disputes. Experian needs to remove and delete the accounts disputed. Experian has violated the laws of the FCRA where it states they 're suppose to block and delete accounts opened as a result of identity theft within 15 days! I 've notified our city attorney general 's office and I 'm willing to talk to the media about this! This complaint acts as my final notice before I take legal action. To ensure compliance and to halt a lawsuit I will take against Experian ; Experian needs to respond to me within 15 days. Failure to do so will act as evidence of Experian 's infringement upon my legal rights and I will immediately seek legal avenues to remedy this situation.