23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an Inquiry on credit report not authorized by me from Drivetime. I contacted them stating i did not recognize this inquiry and to please send proof I requested credit as required under FCRA. They returned with letter attached that DOES NOT MEET FCRA reiquirments.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Illinois XXXX XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist - Credit Reporting Issue Dear I c system I am writing to formally request that you cease and desist from reporting inaccurate information regarding my credit account with i c system with accounts number XXXX i believe that the information you have reported is incorrect, and it is damaging my creditworthiness. Specifically, the inaccuracies include not being able provide What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. Under the Fair Credit Reporting Act, I have the right to dispute inaccuracies in my credit report. I request that you investigate this matter and correct the information. Please provide written confirmation of your findings within 30 days. Failure to comply with this request may result in further action to protect my rights. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I'm trying to dispute a few purchases on my credit card that I never made. The transactions are from a recent trip to Puerto Rico, so I'm sure I'm not the first American citizen to be a victim of this fraud. I already called Chase Bank and spoke with three different representatives, but none of them have been helpful.
Product: Credit reporting or other personal consumer reports

On XXXX  I Midland Credit Management received a refusal to pay a debt dispute from me via united states postal service with tracking XXXX XXXX Since Midland Credit Management has not ceased collection efforts in accordance with 15 USC 1692c (1) to advise the consumer that the debt collectors further 
efforts are being terminated; 
(2) to notify the consumer that the debt collector or XXXX may invoke specified remedies which are ordinarily 
invoked by such debt collector or creditor; or 
(3) where applicable, to notify the consumer that the debt 
collector or creditor intends to invoke a specified 
remedy. In addition, XXXX XXXX has violated Ar code 4-59-101(a)(2) attempting to collect an alleged debt without having a signature of the alleged debtor or person the claim is being bought against.
Product: Mortgage

WELLS FARGO DENIED me A LOAN MODIFICATION AND LATER LOST YOUR HOME TO FORECLOSURE, which caused me to pay over $ XXXX to recuperate my home through a modification that never went through but took my money. I am in a very low income zone and I was neglected due to my limited resources I contacted the bank on multiple occasions to request how I get reimbursed from the lawsuit proceedings and never got back to me.
Product: Mortgage

This company allowed a non XXXX XXXX, to steal the title on a XXXX mortgage from a veteran and help her commit insurance fraud after XXXX XXXX with the use of her XXXX XXXX XXXX Veteran, XXXX XXXX XXXX the property known as XXXX XXXX XXXX XXXX XXXX  XXXX, they made a deal With her instead of reporting her for XXXX. Make a XXXX veteran and his XXXX XXXX homeless and they shared the insurance money with her, after I showed them proof of the forged signatures.
Product: Bank account or service

I opened a new CITIGOLD saving account on XXXX/XXXX/XXXX with their promotion : Earn {$500.00}. 
1 ) open the account before XXXX/XXXX/XXXX 2 ) deposit {$50000.00} WITH 30 DAYS. 
3 ) MAINTAIN A BALANCE OF {$50000.00} FOR NEXT 30 DAYS TO RECEIVE {$500.00}. 
My account opened on XXXX/XXXX/XXXX deposit {$50000.00} at same day AT XXXX XXXX XXXX, XXXX OFFICE, and still have balance {$50000.00} plus BUT HAVE NOT RECEIVE MY {$500.00} yet. 

If I refer a same citigold costumer I will get a {$100.00} each. I did for XXXX person XXXX XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX in XXXX, XXXX. 


CITIBANK SHOULD PAY ME ALL THIS PROMOTION MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting

XXXX, This account : 1. Is missing its balance history for the duration of the time the account has been open 2. Is missing Payment Data for XXXX, and XXXX of 2015 when this account had Payments ( Hence the open never late status ) 3. The recent Payment Amount is = XXXX, and should not be. 
4. Has erroneous comments added - to this and almost all of my accounts. 
Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX 2015.
Product: Debt collection

I am writing to formally dispute and request the removal of a collections account from my credit report, citing multiple violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and regulations outlined in 12 CFR 106.34 and 15 USC 1681-s. 

The collections account in question, associated with AMEX, has been reported without proper validation information, contravening 12 CFR 106.34 ( b ) ( 5 ). Despite the absence of adequate validation information, this collection has been adversely affecting my consumer report. 

Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of the dispute process is a clear violation of my rights under consumer protection laws. 

The collection agency, AMEX, has engaged in practices that violate my consumer rights, including the use of false, misleading, and deceptive means. Such practices are not only unethical but also in direct contravention of the FCRA. 

Moreover, AMEX has failed to provide any and all required disclosures before furnishing the account to consumer reporting agencies, as per 12 CFR 106.34 ( d ) and 15 USD 1681-s 2 ( 7 ) ( a ). This represents a blatant violation of the law. 

I am disputing any ownership of debts to AMEX. I am hereby revoking all communication rights through email, text, and calls. Furthermore, I request the following documentation : Debt validation for the alleged debt. 
The purchase agreement between myself and the original creditor. 
I expect a comprehensive investigation in line with the FCRA, 12 CFR 106.34, and other relevant consumer protection laws. If the information is found to be inaccurate or if the collection agency fails to provide the required documentation, I demand the immediate removal of the collections account from my credit report. 

Please provide written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your immediate attention to this matter, and I anticipate your cooperation in ensuring compliance with consumer protection laws. 

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

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$520.00} {$520.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit card

I have a XXXX XXXX store card managed by Comenity Bank. XXXX advertised Equal Payment Plans on which we made 3 purchases. As advertised, they would charge a minimum monthly charge to pay off the balance by the end of the time period which was based on the amount charged ( e.g 9 or 36 months ). I get an email when a new payment is due, login, and make the minimum payment. I was curious how much longer we had and opened the statement today and discovered that they were allocating the payments incorrectly. The used part of the payment that should have been towards a smaller balance that expired in XX/XX/XXXX towards a higher balance due to be paid off in XX/XX/XXXX. Again, per the original advertisement, it should have been equal payments. I spoke to their customer service team who refused to do anything because I didnt notice it within 2 months of it happening, but they admitted on the call that the payments were allocated incorrectly. They recorded the call so you can request a copy of them confirming that fact. As a result, we were charged a > 30 % APR from XX/XX/XXXX to today on a balance that should have been paid off in XX/XX/XXXX. I did not miss a payment and all payments were made in full.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ) to seek their assistance in resolving this issue. 

these names have no relation with me at all XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, A please see the below accounts that are fraud XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX XXXX The amount was open XXXX I presented my LLC and my EIN and at that time my score was above the requested score they said XXXX and even tho its still low I had XXXX XXXX XXXX if they would have really investigated they would have seen that but there only read the cover. Claiming they used their own thoughts. So that show negligence on them .but not truly taking the time to see if I really fit.then they send me all these invitations to there so called cards that fit my criteria and Im sure to get and I dont they say reapply with in XXXX and we dont check your credit score and report. Then they do it anyway. Then I asked them to remove there hard inquiry and they dont then I ask to be paid as a trustee and they dont I asked for my XXXX for not removing them I didnt get it so what eles to do SUE right
Product: Mortgage

i got a statement in the mail from loancare ( my mortagage company ) on XX/XX/19 saying that i owed excrow of over {$4000.00}. there was a mistake of a charge for {$3300.00} that loancare paid to another servicer in ERROR!! They still havent fixed the problem or havent called me back after numerous attempts. i emailed them, mailed them a letter, and called multiple times. I STILL DONT HAVE AN ANSWER. It was a mistake on their part and they seem like they do want to fix it. i need help really bad, i cant take this anymore.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to have fraudulent items removed from my credit file. These fraudulent entries are adversely affecting my credit history and financial standing, and I am seeking your immediate assistance in rectifying this matter. 
I discovered that there were fraudulent entries on my credit report issued by XXXX, XXXX, and Equifax Credit Bureaus. These entries have been listed as legitimate accounts, which I had no knowledge of or involvement with.

Since discovering these fraudulent entries, I have made multiple attempts to have them removed from my credit file. I have submitted the necessary documentation, including police reports and affidavits of fraud, to support my claims. However, despite these efforts, the fraudulent items remain on my credit report.

Resolution Requested : I kindly request the following actions to address this issue : Conduct a thorough investigation into the validity of the fraudulent items on my credit report, considering the documentation I have provided.

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature.

Provide me with written confirmation once these fraudulent items have been removed and no longer appear on my credit report.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand that the presence of fraudulent items on my credit report is a serious matter that can have severe consequences for my financial well-being. I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to resolve this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response withinthe exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit report and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to move these following fraud items in mhy credit file : XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I tried to purchase a XXXX XXXX XXXX via the products page. One of the options for purchase was " XXXX XXXX XXXX '' which was supposed to bundle the console, the service, and the XXXX XXXX   XXXX  service into one monthly payment. The payments would be done via setting up a personal line of credit via CitizensOne and then you would make monthly payments on it. 

The issue is that when the XXXX 's ran out of stock, they did not stop accepting applications, and the application is done before it checks stocking levels. So you end up applying for, and receiving, a {$0.00} line of credit. Which means I am now going to take a hit on a credit report that I was only willing to take because I thought I could get the product. 

To put this in another way, it'd be like walking into a cell phone store with the intent to sign up for service. Then when you are signing up the ask if they can pull your credit for the device equipment plan you would like to set up. Then immediately after pulling your credit, they say, " I'm sorry we aren't signing up new customers right now, have a good day ''. 

WHY DID YOU PULL MY CREDIT THEN?! Why do I have to be financially impacted due to what basically amounts to malpractice in coding. Check stock levels THEN send to signup page, and before submission, check stock levels one last time to make sure the customer can even attempt to purchase what they are signing up for a payment plan for!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I purchased a set of XXXX XXXX  that were advertised on XXXX for {$59.00}. I paid immediately via PayPal using my account XXXX. 

The sellers info is : XXXX XXXX The receiver of this payment is Non-US - Unverified XXXX I did not receive tracking information so on XX/XX/XXXX I filed a dispute after seeing how many complaints there were online about the seller ( I googled the XXXX email ). After almost two months, PayPal closed my dispute stating that the seller provided tracking info showing that the product was delivered. This is not the case. The tracking info ( XXXX XXXX XXXX XXXXXXXX ) said that a package was left in a mailbox in my zip code, but did not contain my actual address.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report in XXXX XXXX, I see that the same accounts were inaccurate. The 3 credit Bureaus are required to validate and reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX : {$330.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Product: Mortgage

My previous complaint Wells Fargo stated they did everything correctly, I disagreed with their investigation, but also they say that the appraiser they hired from another County was incompetent in his appraisal of my home, they told me he is a third party contractor and they can't refund my {$460.00} I had to pay up front to get a fake locked in rate. I didn't hire the appraiser, Wells Fargo did. I don't feel I have an obligation to pay someone they hired and could have colluded with to ensure I pay a hight interest rate
Product: Debt collection

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states i have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 no consumer agency may make any consumer staining any of the following items of any other adverse item of information records of conviction of crimes
Product: Credit reporting or other personal consumer reports

My bank account closed due to negligent funds. I repaid the debt in full. The bank manager gave the authority for me to open another account with the bank. When doing so, I was still in the system, XXXX XXXX and early warnings, and my credit reports of owing XXXX XXXX XXXX XXXX the funds that i had paid off. I was denied a bank account.
Product: Debt collection

Attempted to contact collections company to settle or pay debt. Found the following information that the collection company is Inactive Status listing all contacts below and request Immediate Removal from All Credit Reporting Bureaus I have attempted to contact Talbott, Adams & Moore to set-up a settlement on your behalf however we contacted the following numbers below and discovered the company is Inactive. We also found them on a rip-off report site. https : XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX Not to mention on the Credit Report they are not listed as a Creditor with contact information! 
Main Data Company Name Talbott , Adams & Moore , Inc. 
Company type XXXX XXXX XXXX XXXX TX XXXX number XXXX XXXX XXXX XXXX Company Status Inactive Agent Talbott , Adams & Moore , Inc . Description Talbott , Adams & Moore , Inc. is a company started on XXXX and registered under ID XXXX. Employer Identification Number ( EIN ) / Tax ID of this company is XXXX. This business is listed as a Foreign Profit Corporation. 

Talbott, Adams & Moore , Inc. has two directors. They are : XXXX XXXX, XXXX XXXX. 

Talbott, Adams & Moore , Inc. agent is XXXX XXXX XXXX XXXX. This agent address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX.