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

XX/XX/XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my name with the correct spelling : XXXX XXXX XXXX XXXX remove employers and phone numbers as they are not relevant to my credit history. Please update my address to : XXXX XXXX XXXX XXXX XXXX, NC XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I have tried numerous times to get this remove and they will not comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. To whom it may concern I would like this matter to be taken very seriously because they 're are several accounts on my credit that seems to either be an error, wrong, unverified. I am aware of all my rights and there seems to be a very big problem where I feel that several laws in the FCRA we 're broken and I can point them out. 1. The accounts are outdated. 2. No verified signature or paper with a signature. 3. A verbal verification or a phone call ca n't prove it 's a verification between a creditor and the credit bureau. 4. I refuse to get blamed for a fraudulent and I was wrongfully judged and discriminated against by XXXX, Equifax, and XXXX customer service reps were disrespectful, unprofessional and I am filing a lawsuit on behalf of these accounts and they way I was treated. I was treated poorly, unfairly. A. XXXX B. Equifax C. XXXX : 1. XXXX XXXX : fraud 2. XXXX XXXX : fraud 3. XXXX XXXX XXXX : fraud 4. XXXX XXXX XXXX XXXX : fraud, no signature verification, Date opened XX/XX/XXXX past 7 years old account. 5. XXXX XXXX XXXX, fraud, error late account opened in XX/XX/XXXX 6. Comcast, fraud : Learn some manners and respect whomever you  speak to when doing business. Remove all fraud and error accounts listed above. Please remove any accounts associated with the address XXXX XXXX XXXX XXXX FL XXXX. I am not associated with this address and any accounts that are under this address. Remove all addresses immediately please. The only address that should be listed on my accounts is XXXX XXXX XXXX XXXX XXXX FL XXXX, this is the only address associated with me. The only social security associated with me is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXXXXXX  I started the dispute process for 4 accounts that have reported errors to my Equifax credit report. I sent my letter directly to Equifax and waited the required 30 days when I did not receive a response I sent them a 2nd letter advising that I had sent a dispute and provided them proof that the letter was received along with a copy of the original letter and my photo ID and proof of address. And waited another 30 days and still have not received a response. I gave them additional time due to the holidays to respond to my disputes and they have yet to respond. So I am filing an official complaint. It is my understanding that under the Fair Credit Reporting Act if the credit bureaus do not respond to my dispute within 30 days, the items disputed are required to be removed from my credit report. Attached to this complaint is a copy of the original letter I sent as well as the 2nd letter and proof that both letters were received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. A certified letter was sent to Experian referencing the information reporting on my consumer report that accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX as inquiries that were not authorized. As well as the account for XXXX XXXX XXXX. I received an email in response to its closing of the investigation but to no resolve. I also made reference as a reminder of { 15 USC code 1681b- Permissible of purposes of consumer reports ( a ) subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written the instructions of the consumer to whom it relates. }
Product: Credit card or prepaid card

During the time period XX/XX/XXXX, through XX/XX/XXXX, XXXX XXXX XXXX credit card holder, an XXXX female XXXX XXXX, was in a XXXX XXXX recovering from XXXX XXXX XXXX XXXX. Due to this, the credit card holder was unable to make payments in a timely fashion. The credit card holder contacted the XXXX XXXX XXXX Customer Service onXX/XX/XXXX,  requesting to have the late fee reversed. The credit card company, XXXX XXXX XXXX, refused to reverse the {$38.00} late fee.
Product: Credit card or prepaid card

I just found out that I have been charged for a credit protection plan on my Macy 's credit card. As far I know I never consent that. I asked them to show me proof of my consent and they said they do n't have the information available so I request a full refund. The costumer service representative gave me another phone number to dial XXXX.
I contacted the number and found out I am enrolled since 2008 ( since I open the account ). I told them I wanted It cancelled immediately and also asked for reimbursement and they said it must go through a review process and gave me a confirmation number XXXX. I do n't understand how this separate company that has " no '' affiliation with macy 's has the power to attach fees to the account that in my case can be only used at the store.
I think this an scam and I want the full refund of all fees they have charge for this unauthorized protection plan.
They are not even able to let me know the total amount because can only see the last two charges and online I only can see the last 5 months.
Product: Credit reporting

Hello, I just noticed on my credit report about a tax lien. I never had a tax lien. My ex-husband did not pay his taxes. I have proof from the IRS that I did not have a tax lien. I want this information removed from my credit report as soon as possible. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting

Prior to declaring Bankruptcy-Chapter XXXX, which was filed XXXX/XXXX/2011 and discharged in XXXX of 2011, ( Docket # XXXX ) our account with XXXX XXXX was kept current every month, paid on time each month and never paid late.. 
Our recent credit report shows that Transunion has reported this account was past due for 75 days. 
We request that the past due column be changed to show a XXXX ... ..never paid late.
Product: Credit reporting

I have requested my free annual credit report several times. Equifax has refused to give me a copy of my report stating that the information I have provided is not matching their records. I have attempted on XXXX/XXXX/XX/XX/2015 to obtain a report using the XXXX website they forced me to go to. At that time, I entered my information and requested an XXXX and Equifax report. XXXX sent the report without issue. I called Equifax today and was told I needed to enter correct information. I did. They refused mecagain online. They do not have a way to speak with someone and have refused to assist me. This violates my FCRA rights and I would like an investigation done.
Product: Debt collection

COLLECTION AGENCY ABSOLUTE RESOLUTIONS XXXX : XXXX XXXX XXXX XXXX $ XXXX.THIS COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS 14 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE XXXX XXXX XXXX AND IS NOT A LEGIT COMPANY AND NOT ON THE XXXX. ( Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARRASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

I began receiving calls from a company claiming to be debt collectors looking for someone who is not me. I have told them several times that they have the wrong person, and I have blocked them but they are still harassing me on a daily basis starting at XXXX XXXX and continuing throughout the day.
Product: Debt collection

Received a call from XXXX ext XXXX representative for XXXX & XXXX XXXX XXXX XXXX XXXX XXXX CA saying that I am being taken to civil court for a dept that the company XXXX is collecting for over {$1200.00}. The number they called from was XXXX. He provided XXXX.
Product: Debt collection

I filed a complaint on this issue with consumer finance 2 months ago and was told that a debt collector would transfer a debt to the previous creditor becauae they refused to help me. I did not receive any verification of that transfer of that credit as I had requested. 
It is regarding XXXX XXXX XXXX of XXXX. I disputed this and have been waiting for them to contact via mail with conformation. I did not receive that. This should never have been sent to another creditor. The total is for {$760.00}. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly requested from transunion and the debt collection company to validate my debt : the contract that I had with them and my signature and show me proof that I did business with them by sending me proof thru mail. And within a couple hrs they released to from investigation. They have not sent me any proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 around XXXX I made several calls to companies listed on my hard inquiry list for Transunion and they were unable to verify the inquiries. I then called Transunion and tried to explain to them the situation and that I was trying to buy a home soon and these " unknown inquiries from the last several months needed cleaned off. The woman on the phone was unwilling to help and said that they were " documents and would remain on my report ''. I know that this is untrue and I need help solving this problem. I have disputed with Transunion several years back and never had this issue. The inquiries listed on my report which are inaccurate/unauthorized are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 I have made attempts to resolve this, but was unable to with original inquiry parties and then when calling Transunion, customer service was unwilling to help remove these unauthorized inquires. Any assistance in this matter would be fantastic.
Product: Consumer Loan

I am being repeatedly harassed by Chrysler 's auto lease financing arm, known as Chrysler Capital, to pay money I do n't owe them. Repeated phone calls to them to get them to cease and desist work only for a couple of days, then the harassing phone calls and emails resume. 
They mistakenly calculated sales tax based on a jurisdiction that the car has never been garaged in or even driven to. I have sent in documentation, had repeated phone conversations with managers at Chrysler Capital, and this incredibly disorganized and mismanaged company just ca n't seem to fix the problem, so the dunning collection harassment continues. I have spent many, many hours and many phone calls trying to get them to stop harassing me for money I do n't owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted Toyota Motor Credit regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XX/XX/2022.
Product: Credit card or prepaid card

I paid {$7500.00} for dental work XXXX with my Carecredit card and was given XXXX  years deffered interest. I was told as long as I paid my monthly payments I would be able to avoid the interest. I was under the impresion that my monthly payments would automatically go towards my deffered interest purchses to avoid interest. I feel like the company purposefully put my payments toward non deffered purchases so they could charge me the interest for my deferred ones. The interest they charged was {$4700.00} and my account is now overdrawn by {$3100.00}. I called to ask why my payments were not going toward my deffered purchases and was informed I would have had to call and specifically ask for that, which is sketchy. I aksed if there was anything I could do and was informed that if I paid the remaining balance of {$5900.00} by XX/XX/XXXX they would remove that {$4700.00} interest charge, however this is not possible. I called back again and asked if any of my previous payments could go towards this purchase and was informed only one could because it had to be within the last 60 days. Which only brought it down to {$5700.00}. I find it extremely unfair that I was not notified my payments would not go towards this deferred purchase. In fact, I was told by the dental office that as long as I made my monthly payments I would be in the clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in correspondence to complaint id : XXXX. Experian has responded indicating they will not investigate the " XXXX XXXX XXXX '' account again without new information because the credit grantor has already verified it. However, They still haven't provided proof of the method of verifications after the many requests through mail. They haven't provided any documents whatsoever but are inaccurately stating that this account belongs to me. I have not received any proof of debt or document signed by me that validates the debt but they insists that this account is verified. Laws in 15 USC 1692 have been violated by this companys action and so are my rights. They are indicating that the information that I presented is irrelevant but Experians date of last activity is not consistent with the others, it states the account is past due and repeatedly reports collection every month, it reports an increase of balance and at some point in time stated the collection account status was open. I have provided the proof, this information is relevant because they are not in compliance with FCRA guidelines. Why insist something is verified with no proof, why can't they provide the method of verifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and XXXX  being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Product: Checking or savings account

We terminated an employee in XX/XX/2021 who was an XXXX on the TD Bank account on the ETreasury side. We worked with our local branch to have everything set up correctly and to remove that person from our account, however, they only corrected XXXX of XXXX sides. We've been reaching out to TD for several months to correct this issue on the ETreasury side. No response. Every time we contact the call center, they inform us we must speak to the treasury supervisor XXXX XXXX who has not returned our calls. We've been given other names that we can't even leave a message for, but never answer the phone. The XXXX still shows the person terminated in XX/XX/2021 and we can not add our new employees. 

XXXX XXXX XXXX University XXXX, SC
Product: Debt collection

I have received multiple phone calls over a 2 year period of time from callers who claim they work for Allied Interstate.I assume this is a debt collection agency, but do not know this for fact. The names of callers are XXXX XXXX and XXXX. The phone number on caller id from these callers is XXXX.They ask for a person by the name of XXXX XXXX . ( I do not know if the spelling is correct here. ) This person DOES NOT live at my house and I DO NOT know her or anyone who has a name remotely close to this. I continually tell the callers to stop calling MY phone number for this person as she does not live here, nor do I know her. They continually tell me my phone number has been removed from their information, however, a month or 2 later, they call AGAIN! Please consider this as a formal complaint against Allied Interstate for harassment as they are calling my phone number for a person who is not associated with this number, nor does she live here, and I do NOT KNOW her. I know the debt Allied Interstate is trying to collect is NOT MINE because my name is NOT XXXX! I PAY my own bills regularly and on time. I do not wish to be harassed by debt collectors looking for someone I do not know. They said the phone call is recorded, so maybe you can get their records and verify that I have asked them multiple times to stop calling my phone number. The most recent phone call was XXXX/XXXX/15 at XXXX Central time.