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

I recently submitted a complaint to TransUnion regarding an account that was not being updated for the month of XXXX XXXX and XXXX. This account was reflecting an inflated balance that was in accurate as the account was paid in full and at a XXXX balance, I submitted the account statement, reflecting the XXXX balance and requested an update to my credit report. I was denied the update and told that the information being reported was accurate. I would like this account to be updated to reflect the accurate XXXX balance as per my account statement. The in accurate reporting of this information has caused financial hardship and possibly the reason why Ive been denied new issuance of credit. I will attach the account statement to this complaint for your review. I have also contacted the company directly, and they stated that as per my statement the information was reported to Trans Union, reflecting a XXXX balance they do not know why TransUnion has delayed updating the information accurately to reflect my account statements XXXX  balance.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and XXXX. I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from Southeast Toyota Finance. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with Southeast Toyota Finance and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though SETF placed the derogatory information on our credit in error.
Product: Debt collection

I opened a secured credit card with Discover beginning of XXXX with a credit limit of {$1000.00}. In XXXX I requested a credit increase to {$2000.00} and was denied. Now, my account has been sold to a third party who is claiming I owe over {$2300.00} on the card. Over 50 % of the original limit on said card.
Product: Mortgage

The mortgage company wants to a short sales date XX/XX/2023 and I need to keep my home and they are not willing to work with me on this issue. So i need assistance with the issue and I have tried to make an effort to work with the mortgage company but they want to start foreclosure procedures soon and I need to work with the state records office to help get the liens from an old business off my public records so I can get the modification and i can not get the modification unless I get the liens cleared from my name. 

The complaint does relate to the last XXXX complaints that I have had about my mortgage and assistance that XXXX seeking from your government agency.
Product: Checking or savings account

I had an old checking account with US Bank that was closed with a balance. In speaking with the branch and the online representatives who called me, the assured me that if the balance was paid that there would be no negative reporting or repercussions to any of my credit files. I just recently was notified that US Bank reported on my XXXX file of unpaid account abuse. I again was told by the XXXX XXXX XXXX branch when I went in today to resolve the issue that there would be no negative reporting and that I needed to call. 

I attempted to call several times and I got the run around from agents, and no one shows that I have a balance on my account or that anything was reported to XXXX.
Product: Debt collection

Hello, so the debt I had was removed off my credit report by the original creditor which was ( SPRINT )!! The balance of {$900.00} was removed, It was then sold to a new company ( CONVERGENT OUTSOURCING ) which I don't owe. I've requested for them to remove the inaccurate information if they couldn't verify this debt. I wrote the credit bureaus on XXXX, XXXX, XXXX, I also wrote the company directly on XXXX as well. This matter has not been yet resolved and the debt is still on my credit report.
Product: Credit card

two weeks ago, I applied for an XXXX card -which comes with several perks I 'm interested in- while I was making a purchase of a flight using XXXX website XXXX I filled out the application and in a few minutes I got the positive response saying I would get their card, but when I received the card a few days later, it was n't their Visa Signature, but a Platinum Plus card which does n't carry the perks I wanted. XXXX cards have an annual fee XXXX XXXX XXXX is {$75.00} and the Platinum Plus {$50.00}. I did n't mind paying the {$75.00} for the card I wanted. There is not a single sign during the application warning us, the applicants, that if we did n't qualify for the XXXX would be issued. These are the XXXX lines on the bottom part of the first screen of the invitation which are not a warning : The benefits above apply to XXXX XXXX accounts only and different benefits apply to XXXX accounts. Card type is determined by creditworthiness. So, I immediately called Bank of America which is the credit card issuing bank. I told them, I applied for the XXXX XXXX not for the XXXX absence of perks. The bank representative asked me if I filled out the application correctly due to the fact that they had had similar situation with other customers. She said that if I wanted I should apply again because some customers had done that and they get the XXXX XXXX in the second try. So, while I was on the phone I applied again and my application was declined. I told the representative the results and I also told her I wanted to close the XXXX card. I also told her they had to cancel the XXXX fee they already had charged to that card. I asked her how all this situation would affect my credit record and she said that it would n't for they will report how things happened. She said it would n't hut for me to write to you here to let you know of the situation to leave a record of it.
Product: Prepaid card

I purchased a {$500.00} vanilla gift card a while ago. I tried to spend it at XXXX but failed. Then I tried online spending on XXXX, XXXX and shop in store and XXXX. All of the attempts failed. I contacted the Vanilla gift company and they promised to replace the card, but I never received a replacement. I called them multiple times and even send my utility bill with my address to them, but still got no replacement card. The company finally agreed to refund the {$500.00} to me on XX/XX/year>. However, when I called today to check the status, they told me it was not approved and I should provide more documents, like the original purchase receipt ( which I already lost ). I do have the original card on hand and they can confirm the card is never spend. This is really ridiculous for the time I spend with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB own report shows that the agencies only solve 2 % of the disputes it receives. and the question is, are the agencies unwilling or incapable of handling these issues? 

Under the fair credit reporting act, my right has been violated. 
I have a right to privacy based on the law and I did not give written permission that any of the mentioned creditors in the case to share any information. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy Equifax had 30 days to investigate my mailed dispute. The dispute was mailed certified on XX/XX/22 and was received on XX/XX/22. I did not receive any response from Equifax. 

I have challenged factual inaccuracies and incomplete information on my file with Equifax. they did not respond in time according to the law. I have included tracks that they received the dispute. I have included the dispute itself. I have included a copy of a credit report to verify the inaccuracies. 

I also understand that Equifax will say that they do not compare their file to other XXXX but that is irrelevant when the consumer provides factual proof of reported inaccuracies. And the Credit reporting agency has an obligation to complete an investigation that is reasonable, that is according to 15 U.S. Code 1681i ( a ) 4 which states that the agency must consider and review all relevant information provided by the consumer. 

INcluded are the Full credit report to show factual inaccuracies, a copy of the original letter sent to Equifax that was received and proved by the attached certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is direct response to complaint XXXX. It was confirmed that incorrect information is being reported for account type XXXX and only XXXX continue to report this information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX Fraudulent/Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was travelling and landed in another city trying to make a purchase there but credit card stopped working. I saw in my app that the bank was telling me there was a suspicious activity on my card and devices would be limited asking me to call them. 

I did call the bank. They said that only way they could verify my identity was to send me a letter on physical account which would take 5-7 business days ; then if use info included in this letter and call the bank to fix the issue. There was no means for me to verify myself such as going to a nearby bank or receiving a text over mobile or sending the exact same info on my email address. The bank verified me through other means though that it was me ( security questions and the similar ). 

This had created issues for me ; what if I dont have another credit card or balance on my debit card - how can I make purchases? This is amplified in light of the fact that Im traveling and it takes 5-7 business working days for letter to arrive on my home address. 

Even worse now - letter never came even after 10 business working days since then which is today. Im calling the bank today and theyre telling me that they will send another letter now which will take another 5-7 business days. Im asking if they can verify my home address and Im happy to give them my address but they say no, they cant take this info ( in my account though I see that the address is correct ). 

Im really concerned that even second letter wont come to my mail and then I dont really know what to do ; Im asking once again what if I can go to bank which is next to my home and verify myself but then they say no. 

This means I might not be able to ever use my credit card that I pay XXXX dollar annual fees for ( I already paid for it when I signed up for it ). Additionally, I was supposed to receive 80,000 reward points if I would spend XXXX dollars within 4 months. So far it has been sprung 2 weeks that I cant use my card and not sure if this second letter spent will ever arrive to my address to I can XXXX myself and redirect my credit card. That means I might not even qualify for reward points either. But once again, even worse is I pay for credit card annual fees but I cant get the advice. 

Please advise and help. It is Citi Bank that is the issue, they really need to twirl their processes otherwise customers are harmed here like me who pay XXXX or credit card fees and receive no service in exchange and its unclear if I ever manage to continue using my service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the Equifax Data Breach Settlement on XX/XX/2022. I updated my address after moving however, I received a notification by email that my payment would be reissued as I believe it was mailed to my previous address. I have yet to receive the payment. Mail forwarding was on my previous address.
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests
Product: Credit reporting or other personal consumer reports

Subject : Request for Validation of Debt - XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX I am writing in response to an alleged debt associated with account number [ Account Name and Number ]. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 


I dispute the validity of this debt and am immediately requesting that you provide the following information : The ORIGINAL contract binding me to this so-called debt. 
The PAYMENT HISTORY with the original creditor and balance. 
Copy of PROOF OF DEBT ASSIGNMENT. 
Proof that I legally owe this debt to YOUR agency. 
Proof that you are licensed and able to collect on this debt in my state. 

THIS IS NOT ANY DEBT THAT I ORIGINATED MYSELF. I HAVE NO IDEA WHERE THIS DEBT ORIGINATED FROM. 

This inaccurate information needs to be re-investigated immediately by both the Credit reporting agencies and the furnishers of this information that is appearing on my consumer report. 

Pursuant to 15 USC 1681e ( b ), A credit reporting agency must maintain accurate records at all times within the files of consumers.

Pursuant to 15 USC 1681i, please perform an internal re-investigation on the validity of this account in question that is showing up on your consumer report under my name, and notify me of your results within 30 days of your receipt of this letter and update my credit report accordingly to your findings. 

If you are unable to provide proof of my requests, then the erroneous information MUST be DELETED within 30 days of your receipt of this letter from my credit report as this erroneous account is very misleading and not mine. This account is causing me great mental anguish and I am unable to obtain a mortgage at this present time due to this inaccurate information on my credit report.
Product: Credit card

I received my statement last month and noticed a {$2.00} fee. I contacted them and they said it was to mail a statement. I have never seen this before. They said I could get it emailed but I don't look at email everyday and was afraid I would miss it. I asked them to removed the fee and close the card. I paid the balance due minus the {$2.00}. The following statement had the {$2.00} still on and another {$2.00} fee for interest minimum. I would pay this just to be done with them but I'm afraid this is just going to continue the following month with another statement and another fee for it. I actually paid a XXXX more on the balance so one of the {$2.00} fees shows as {$1.00} now
Product: Debt collection

Sent in documents they asked for. Was setting up a payment plan. Then got a letter from my employer that they are garnishing my check. After they already took my taxes. Had gave my bank information for payment plan . 2 pay ments were already taking out : called had everything set up. Then my check was garnished. Called again to see what was going on. And just kept getting transferred or hungup on. Told me I need to fax thema letter say i give them permission to call me. Then I need to fax them a paper saying I give them permission to fax me. Keeps me on hold for longer the n 45min.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent Experian credit bureau a certified letter requesting the removal of XXXX XXXX XXXX to be removed from my credit file, for the agency 's failure to provide debt validation. When I initiated a CFPB complaint against XXXX XXXX XXXX, they provided a document stating they sent me validation but the document contained an incorrect address that I was never associated with in my life. In turn, I used this document I received directly from XXXX XXXX XXXX and sent it to the Experian credit bureau to have the account removed from my credit file. However, after providing this documentation twice. Once via postal mail that yielded an unfavorable result on XX/XX/XXXX and I resubmitted the dispute again on XX/XX/XXXX online via my Experian account, and within XXXX hour, the investigation concluded quickly stating the account is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notice to remove the alleged bankruptcy. I also attached the proof that XXXX removed the item since they furnished it. In XXXX I also sent notice that the bankruptcy sent stating that they do not give information to Experian. Im demanding an audit trail and the original instrument 15 U.S. Code 1692g ( IM DEMANDING VALIDATION & FULL AUDIT TRAIL ) attached is also my FTC report for this items. 
15 U.S. Code 1692g - Validation of debts U. S BANKRUPTCY ( alleged filing and a copy of the court docket ) 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : ITEMS MUST BE DELETED DURING NOTICE OF THE DISPUTE FROM THE CONSUMER
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer.
Product: Vehicle loan or lease

Capital one charged my account off during an insurance investigation. The car wasn't in my possession from XX/XX/XXXX thru XXXX of XXXX. The car was in the inpound lot from XXXX til i believe XXXX. the insurance company then paid the impound lot to release the vehicle to have it towed to buttons automotive to get the wheel repair. Then it was a search for a body shop but evrybody was so backed up with cars and trying to get parts. Then in XXXX the car was taken to XXXXXXXX XXXX in XXXX ohio. They advised me that parts were on back order for a few months. So from XX/XX/XXXX the XXXX sat at XXXX XXXX. The body shop called in XXXX and said the XXXX was done but was still waiting on a few more parts but would just call me to bring it back in. I had previously talked back and forth with XXXX XXXX in regards to a settlement offer. The first offer was XXXX and if i wanted to keep the car i had to pay about XXXX a month. the second offer in XXXX was the XXXX. I had to pay a XXXX deductible to release car from crash champions. i then called capital one that same day about the settemet and XXXX XXXX said I would have to pay a XXXX paymet to accept the settlement and XXXX a month to keep the vehicle. I told them that payment amount was ridiclous after not having my vehicle for XXXX months,. So I sold the vehicle to XXXX they bought it and paid the XXXX settlement. Now I don't have a car and I can't purchase another vehicle because the banks are looking at the account as a repo. Capital one did not give me nor the insurance company any remedy during this process to keep, XXXX in good standing. I gave them the ok to pick the vehicle up from the impound lot if they couldn't wait for the insurance investigation. They told me the account wasn't delinquent and then no because the vehicle wasn't in my possession.So i felt like i wasted my insurance claim paying for a vehicle that i couldnt even keep. My insurance comapany spent all thta time and money for nothing that serve a purpose to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trident Asset has a collection from the XXXX XXXX XXXX for a check in the amount of XXXX. This is past the state of limitations Tennessee Code 39-14-121.This is from 2015.