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

I need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate reporting by the credit bureaus, specifically EXPERIAN, XXXX, and XXXX. The issue stems from the inclusion of more than several accounts on my consumer reports that have surpassed the statute of limitations for debt collection in Arkansas, which is set at 5 years and for medical debt it is 3 years. Each account that will be uploaded to this portal has reported charge offs for more than 5 years straight. Some 6 years. Despite the expiration of the statute of limitations, these accounts are still being reported, misrepresenting my creditworthiness and violating the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting has the potential to harm my financial standing and is a clear violation of consumer rights. I request the Consumer Financial Protection Bureau 's intervention to address this matter promptly. I urge you to investigate this issue and ensure that the credit bureaus comply with federal regulations by removing the inaccurate accounts from my credit report. Thank you for your attention to this matter. I look forward to a resolution that restores the accuracy and integrity of my credit report.
Product: Debt collection

Was initially contacted by mail from XXXX XXXX and XXXXDebt Collector by letter dated XX/XX/2021, who states their client is Synchrony Bank. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with XXXX XXXX and XXXX/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from XXXX XXXX and XXXXDebt Collector. I demand that any information pertaining to XXXX XXXX and XXXX/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquires on my account that are inaccurate and did not happen with my knowledge.
Product: Checking or savings account

On XX/XX/2022, I opened an account on XXXX XXXX to take advantage of a bonus offer that requires transferring a certain amount of money ( {$100000.00}, in my case ). Prior to opening my account, I called XXXX XXXX to figure out how I could transfer securities from a competitor ( XXXX XXXX ) and specifically asked if there were any associated fees with such transfer and was told that there should not be any fees or, if there were, that they would be waived since I was a new customer transferring a large amount. 

I initiated a transfer of all my securities from the competitor on XX/XX/2022 and the securities were transferred, and in my new XXXX XXXX account, on XX/XX/2022. However, there was a suspicious charge on my account of {$75.00} ( labeled " Transfer / Adjustment ADJ TRF DEP DR XXXX XXXX '' ) and, after contacting XXXXXXXX XXXX  by phone, I was told that this was a transfer fee that would be reimbursed to me. 

More than a month later ( in XXXX ), realizing that the {$75.00} fee was still not reimbursed, I contacted XXXX XXXX by phone once again and was told that the fee would be reimbursed " within 2 weeks ''. 

We are now in XXXX, I have already spent multiple hours on the phone ( there is no way to contact XXXX XXXX by chat, email, or secure messages ) trying to resolve an issue that I was told, no less than 3 times, wouldn't be one. As such, I am opening a CFPB complaint.
Product: Payday loan, title loan, personal loan, or advance loan

I spoke w upgrade bc they contacted me re a personal loan. I had one with them at 12 % interest. They offered XXXX at 13 % which I accepted and felt was reasonable. Im never late on payments. My credit score at the time was XXXX. 
I signed the paperwork electronically. Im XXXX and my XXXX  is declining. 
My first statement reflected an interest rate of 33 %!!!! The payments are ridiculous. 
My history and credit score certainly qualifies me for the 13 % rate I was offered.

Im making the payments but it was a bait & switch!

Please help. This is elder abuse.

Thank you.
Product: Debt collection

On XX/XX/XXXX, Enhanced Recovery Company reported a collections debt to the credit bureaus in the amount of {$330.00}. I have not received one letter, one phone call, one voicemail, or one email from this company. I have not been given the chance to rectify this situation before they just reported this to the credit bureaus. I looked at my credit report and it says the original debt was for XXXX XXXX XXXX. I returned my XXXX XXXX XXXX equipment in XX/XX/XXXX and when I did that, I also checked my balance on the account which showed XXXX at that time. When I called to verify with XXXX XXXX XXXX, they said there was no balance so I am not sure what this balance is for. So between XXXX of XXXX and XX/XX/XXXX when Enhanced Recovery reported this collections account as being opened, I have this {$330.00} balance and was never given any option to remedy this situation from either company. XXXX XXXX XXXX reported my balance on my account as XXXX but ERC is saying I owe {$330.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Payday loan, title loan, personal loan, or advance loan

This company including management tried to tell me multiple times that I was lying or making this up. They have laughed at me, yelled at me, harassed me far beyond what the laws allow. This started XX/XX/XXXX and has not stopped. I have made it clear to XXXX to not call me so she now calls my family and my work instead. She needs to stop harassing me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Debt Verification Request Due to Equifax Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit card

To Whom It May Concern, On XXXX 2015, I accepted a retention offer for my Citi AAdvantage Executive World Elite MasterCard of {$250.00} to offset the {$450.00} annual fee. The offer stated that I will receive a {$250.00} statement credit after I spend {$3000.00} in eligible purchases each month for the next three months. Please see the attached letter for the confirmation of the offer. I proceeded to spend {$3100.00} on XXXX XXXX, 2015 and {$3000.00} on XXXX XXXX, 2015, as indicated by the attached XXXX and XXXX 2015 statement with the corresponding dates and purchases highlighted. In the first half of XXXX, I spent {$3300.00} as indicated by the attached XXXX 2015 statement with the total purchase amount highlighted. Since it has been more than two weeks since I completed the offer and I still have not received the statement credit, I called Citi customer service today ( XXXX XXXX, 2015 ). 

I told the first agent my problem and she reviewed it and then briefly mentioned that I did not meet the purchase requirement before transferring me to another agent who could help me. The second agent confirmed, took a look at my account and mentioned that I should be receiving the statement credit in two to three weeks. I brought up my concern that the first agent mentioned I did not meet the purchase requirement. The second agent reviewed the purchase, did some calculation and came to a conclusion that I did not meet the purchase requirement. After pointing out the purchases I highlighted in the statements, the second agent mentioned that the calculation is done by " periods of 30 days '' ( e.g. XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, etc. ). 

I disagreed with his assessment considering nowhere in the attached offer letter is written the calculation would be done using that methodology or period. Any reasonable person would interpret the written offer as " spend {$3000.00} each month for XXXX, XXXX and XXXX to receive {$250.00} statement credit ''. In fact, the letter is dated XXXX XXXX. The second agent was adamant about his assessment and we were on a standstill. He tried to " meet me halfway '' by offering {$100.00} statement credit but I did not feel it was fair and rejected his offer. 

Please assist in resolving this issue. 

Thank you.
Product: Credit card or prepaid card

I received notification via my credit reporting alert of an account being added. I get alerts because of being a victim of identity theft. Upon checking it was an item added to collections by NCA for a XXXX Bank. I contacted National Credit Adjusters and was told I opened this account in XXXX XXXX and there was a balance if {$590.00}. I never opened this account. I no longer live at the address they say it was obtained and I have nor had any knowledge of this account up until that day. I filed a police report and forwarded it to them but they advised I take this step as well. Some of the information that was used to open the account didn't match up to my information either. ... The Collection agency is National Credit Adjusters. XXXX Bank is the creditor the amount was for {$590.00} account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX [ XX/XX/year> ] Subject : Formal Complaint Regarding Debt Collectors Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt collectors who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 

The specific issues I have encountered include : 1. Unauthorized Withdrawals/Collections : Debt collectors have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision. 
2. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt collectors have failed to provide any valid evidence or validation of the debt they are attempting to collect. 
3. Misrepresentation and Deceptive Practices : The actions of these debt collectors also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. 

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately. 


Despite my prior communications and attempts to resolve this issue amicably, I have yet to receive a satisfactory resolution. Specifically, I request the following fair actions be taken : 1. Refund of Any Overpayments : I seek a full refund of any amounts I have overpaid or incorrectly paid to your agency. I request a detailed accounting of all payments made and the corresponding amounts due, as well as an explanation of any discrepancies. 
2. Correction of Credit Records : Any negative impact on my credit report resulting from this dispute should be corrected to accurately reflect my current standing and to remove any unjust marks. 
3. Cease Further Collection Activities : I request that all collection activities and communications cease immediately, as this matter should be resolved in accordance with the fair and accurate handling of my account. 

I expect a written response within [ reasonable timeframe, e.g., 15 days ] detailing the actions you will take to address these concerns and rectify the situation. If these issues are not resolved to my satisfaction, I will consider further steps, including contacting relevant regulatory bodies or seeking legal recourse. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against Transunion The past 3 months I have tried to get trans union to fix their error. They continue to report my balance on an acct I have called XXXX. I sent them a balance letter from XXXX several times they still report my bal as XXXX but its actually XXXX. 

Then I have a XXXX XXXX card ending XXXX, limit on card is high but my balance is always paid off if I use it prior to reporting. Card is through XXXX XXXX trans union removed my card off the report just deleted it without my permission or request. In the middle of my refi on my mortgage causing my credit score to plunge down XXXX  points I had XXXXXXXX XXXX contact them and XXXX said trans union refuse to put my card back on because they state I disputed something on the report. 
I have never disputed anything on my XXXXXXXX XXXX XXXX  card with XXXX limit. Had no reason to its the only card that was reporting correctly. 

I reported to trans union lots of inquiries not mines they did nothing, I contacted the creditors who made the inquiries and they removed them and immediately trans union has reps I talk hang up on me and now my XXXX  card has been removed which Id terrible practice. XXXX reporting incorrectly XXXX card balance the report incorrectly Ive sent balance letters several times XXXX bal is XXXX they report XXXX And its ongoing every month nothing changes. 

Consistently getting hacked on there site just a lot of stuff with trans union and XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The 3 credit bureaus are required to authenticate this account XXXX XXXXXXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.
Product: Credit card

On XXXX/XXXX/2015 on my Amazon Store had promotional balance pay off of XXXX. However the month prior had a promotional balance pay off of {$390.00}. but I paid XXXX a difference of {$90.00}. My regular purchase amount on this statement was {$200.00} which is being paid only if there is anything left over after the promotional balance. I had {$150.00} worth of promotion balance due for pay off on XXXX/XXXX/2015. Since I had the {$90.00} credit I paid {$70.00} on XXXX/XXXX/2015. Which left {$9.00} to be credited to anything upcoming promotional balances. On XXXX/XXXX/2015 I called in because there were errors on my account and I was credited a total of {$19.00}. My statement closes on the XXXX of every month and therefore the {$19.00} was not reflected on my XXXX/XXXX/2015 statement. And the {$9.00} was not applied to my account. Today I called in and asked for an explanation of why my payments are being missed applied. I was told that when I make a payment over the promotional pay off amount. The extra amount is applied throughout my account and not to the next expiring promotional balance. I have been told by the Supervisor XXXX that if I want my payment applied to my promotional balance I would have to call in every month and instruct them to do so. Of which I have not had to do in the past. Since Amazon is stating that my promotional of XXXX expired on XXXX/XXXX/2015 because I only made a {$70.00} payment on XXXX/XXXX/2015, but I had a credit of {$90.00} prior to the {$84.00} due on XXXX/XXXX/2015. Amazon is applying my payment as they please. Instead of paying off the next promotional balance they apply only minimum amounts to each open balance.
Product: Debt collection

Subject : Illegal Credit Report Inquiry by [ Midland Credit Management ] FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ Midland Credit ManagmenXXXX ] for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On [ XXXX, XXXX, XXXX, and so on, on the first week of each month since XX/XX/year> with the last pull on XXXX, [ Midland credit management ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with [ Midland Credit Management ] that would justify this inquiry. This unauthorized credit pull has negatively affected my XXXXredit score and caused undue stress. As such, I am seeking the following : XXXX. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. XXXX. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. Please investigate this violation of my consumer rights and take action against [ Midland Credit Managment ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. Thank you for your attention to this matter, and I look forward to your timely response. Sincerely, XXXX XXXX XXXX