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

I am writing to dispute the late payment entries recorded on my credit report. These late payments impacted my financial management capabilities. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. The bank associated with these late payments has agreed to remove them.. 
Here are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : XXXX XXXX XXXX I'm sending 4 attachment files with complaint letters, names & evidences of documents, that will further expound my complaint toward XX/XX/XXXX of XXXX XXXX, XXXX XXXX ( Financial Director ), XXXX XXXX Sales Manager ) and XXXX Credit, XXXX XXXX XXXX Compliance Manager ). 
File 1 - Complaint letters of unauthorize inquiries, witness letter, XXXX XXXX XXXX ... 
File 2 - Evidences of proof reaching out - excessive unauthorize inquiries XX/XX/XXXX File 3 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 4 - Evidences of proof Credit Bureau Reports from XX/XX/XXXX - XXXX, XXXX File 1 Contain 8 - documents : 1 Introduction letter of " Step 1 - 5 '' 4 personal letters of unauthorize inquiries 1 letter my wife XXXX XXXX XXXX 1 letter from XXXX credit inquiry and 1 letter from XX/XX/XXXXrescinding inquiry ( that dated XX/XX/XXXX instead of XX/XX/XXXX File 2 Contain 5 - documents : Reaching out to XXXX Credit ( Compliance ) on XXXX, XXXX XXXX email ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Care Team & XXXX XXXX XXXX Financial Director ) on XXXX, XXXX & recent on XXXX XXXX, XXXX XXXX email ) File 3 Contain 4 - documents : 1 return letter to Consumer Dispute Request 3 Credit Bureau Reports from XX/XX/XXXX XXXX, XXXX XXXX XXXX see File 1 - personal letters pages 1,2 and XX/XX/XXXX letter ) * File 4 Contain 8 - documents : Reaching out in person on XXXX XXXX, XXXX 3 credit reports from Equifax and XX/XX/XXXX XXXX ( see File 1 - personal letters pages 3,4, XXXX 's letter and XXXX letter XXXX XXXX XXXX XXXX Credit, XXXX XXXX XXXX* ( see File 1 ... ) ** 1 XX/XX/XXXX XXXX special note ) : reported excessive inquiries Step 1 - Unauthorize usage of my credit XX/XX/XXXX - XXXX, XXXX ; XXXX XXXX - XXXX, XXXX Step 2 - Refuse to correct/remove illegal activities Step 3 - See attachments File 1, 2, 3, 4 Step 4 - XXXX - XXXX of XXXX XXXX XXXX XXXX Credit Step 5 - XXXX XXXX XXXX Financial Director ) and XXXX XXXX Sales Manager ) of XXXX - XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Compliance Manager ) and XX/XX/XXXX ( Compliance Coordinator ) of XXXX Credit
Product: Credit card or prepaid card

I am contacting y'all back about XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX for my disputes for XXXX that need to be reopened I had contacted last week and they told me they can't refund the card if they do it might be billed a fee because the payments are old and they say they will send me a check in the mail but I never got them checks in the mail from them I been calling the manager and emailing him or her and he or she is not calling me or email me back and I want y'all to reopen the dispute and credit back both payments for me and I got proof by a XX/XX/XXXXcase from them saying my service was canceled and they refunded me but I did not get my refund in the mail and I been waiting a whole week now and I want both payments to be credit back on the card for me. XXXX XXXX XX/XX/XXXX Mid-South XX/XX/XXXX CASE # XXXX To whom it may concern, Thank you for bringing this situation to our attention. I have talked with the customer and informed her that we are addressing her refund. We will refund her for the charges that were made to her credit card on XX/XX/XXXX in the amount of {$69.00} and XX/XX/XXXX in the amount of {$110.00}. For a total refund of {$180.00} for the service was that she canceled on XX/XX/XXXX. If there are any further questions or concerns, please do not hesitate to contact me. Sincerely, XXXX XXXX XXXX Branch ManagerXX/XX/XXXX XXXX E-mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

15 U.S.C 1681 section 602 A. States, I have the 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 instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received communication from a company called Asset Acceptance ( AA ) account # XXXX in XX/XX/XXXX, asking me to make a payment settlement to account I have no knowledge of, however it claims it was an inherited debt. In XX/XX/XXXX, I phoned AA inquiring about the debt. I was placed on hold, after informing the representative on the phone I was recording this conversation, and he never returned. In XX/XX/XXXX I sent AA a certified letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting they validate the debt, and if this is in fact a verified debt of mine, I would pay it. I did not receive a response to their letter. Upon no response, I disputed this account with the credit agencies ( all XXXX ) only to be informed the account is validated, and therefore there is no change on my credit report. Months have passed with me disputing through the credit agencies, and I have XXXX again sent AA another letter, this time certified return receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). I have since received the receipt back, however AA still has not validated this account, and refuses to remove this account from my credit report.
Product: Credit card or prepaid card

I was marketed a Citi XXXX Credit Card with an offer to balance transfer in XXXX of this year 2023. It has been nothing but a headache for the last 4 months. As recently as yesterday I was on a call with a supervisor from the bank. Every time I call I get a different story. I have also gone into my local Citi branch for assistance they have tried to assist but have not had any better luck than I. The buck doesn't stop anywhere you just keep getting passed around. It seems they are marketing these financial products with no intention of actually providing them. The right hand does not know what the left hand is doing. Structural incompetence with little to no synergies between inner bank parties. Interesting when you catch an interview with a CEO ( in this case XXXX XXXX on XXXX ) the culture espoused by the person at the top is in no way reflected in the behavior by the individuals I interfaced with. It appears that the high net worth individual may have the ability to circumvent this abuse, unfortunately not so for the average XXXX at the retail level.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item 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 & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). 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 XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the three major credit bureaus of Equifax, XXXX, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( Equifax, XXXX, XXXX, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I reported to Transunion, XXXX and XXXX credit bureaus that XXXX XXXX XXXX  XXXX XXXX had a delinquent account on my credit report that was " Included in my XXXX  XXXX bankruptcy '' in 2022 and the delinquent account should be removed from my credit report. The credit bureaus refused to remove the delinquent account. I contacted XXXX XXXX XXXX XXXX and asked them to remove the delinquent account from my credit report and they have refused. The delinquent account is damaging my credit score and this is being done on purpose by the credit bureaus, who are being paid by XXXX XXXX and it is being done deliberately by XXXX XXXX to punish me for filing bankruptcy and to make me pay higher interest for any loans and credit cards I may apply for. It is discriminatory against XXXX consumers because XXXX consumer pay higher interest for loans than their counterparts because of corporate predators.
Product: Credit reporting or other personal consumer reports

A payment was made on the account on the XXXX of XXXX, and on XXXX of XXXX, but the payments were pulled from the wrong account. I was a victim of identity theft, and that account was closed. I have been dealing with this issue, since XXXX of XXXX.
Product: Checking or savings account

On XX/XX/2020, I attempted to use my Xapo Debit Card at an ATM to withdraw money, and it was declined, I receive a text message shortly after which read, " Xapo Inc. Alert : Due to recent cash activity your card has been deactivated. Please contact us to reactivate your account. '' I proceeded by immediately emailing them, asking what I needed to do to resolve, as they have no phone number. They replied the next day, the XXXX with, " XXXX as mentioned we are working on your request. 

Once we have a feedback, we will let you know -Tim '' I replied that same day informing them of the text about my card being temporarily suspended, and asked them what to do. 

They responded on theXX/XX/XXXX and they told me " We understand your concern XXXX and again we are sorry that this is happening. 

Our team is trying to find a solution and once we have a feedback we will let you know XXXX '' Again, I replied back and told them I was extremely frustrated, and they can not or will notdo anythig to allow me to access my funds
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a fraudulent XXXX XXXX  XXXX credit card account was unlawfully opened in my name with a balance of {$18000.00}. I did not apply for this account, nor did I authorize XXXX XXXX  to access my credit. This account was created as a result of identity theft, and I am formally disputing its validity. Recently, I discovered that Midland Credit Management ( MCM ) has been assigned as the collection agency for this fraudulent account. This is an unauthorized debt and a clear misrepresentation of my financial obligations. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit report.
Product: Bank account or service

XXXX XXXX Consumer finance.gov As credit card holders with the XXXX program for many years, we were notified on XXXX XXXX, 2014, that we had earned XXXX XXXX miles. On XXXX XXXX, 2014, Citibank notified us that they changed our CitiGold/XXXX account to the CitiBank Thank You Preferred account. They said that our " account number [ would ] remain the same '' so we could continue to use the old card until the new XXXX arrived. We were then to " destroy [ our ] old card ... by cutting it in half '' They indicated that we would earn points for using the card and that we could redeem these points for many things, including " travel rewards. '' Never in any of the documents we received did they indicate that our air miles would not transfer to the new card or that we should keep using the old XXXX card ( which they were canceling ) to keep our miles. 

When we contacted them recently to see if we could use our air miles for a trip XXXX, they said they cancelled our air miles because we had not used our XXXX card for a number of months. We said that we had continued to use our Citi card that they had sent us after they told us to cut up our old card, so there was no way we could have used the XXXX card. We said that we assumed we were still gathering miles since they never told us that our air miles would not transfer to the new card. 

They also indicated that if we wanted to get our miles back, we could pay them {$400.00} for something we had already earned by using our credit card. 

There is nobody to talk to who can resolve this matter. The " customer service '' representatives can do nothing but repeat their assigned script. Citi Bank has cheated us and needs to be held responsible since they canceled our XXXX card and left us no way to keep it active. They need to give us back our miles and send us a new XXXX card with the credited XXXX miles.
Product: Checking or savings account

On XX/XX/XXXX, I cashed a backpack check Social Security for my XXXX daughter at the XXXX XXXX Bank of America.The XXXX cashed it. I'm her payee.Then few days, my card was declined due to overdraft from the check. I been with BOA since XXXX, never had an overdraft. Being a XXXX, I went to mgr who cashed check. He referred me to the Escalation dept. I called them, XXXX XXXX, also spoke to XXXX supervisor on XXXX XXXX. She denied installment, payments, and also emailed XXXX XXXX XXXX of BOA. It was a legitimate SSD check, but overdue timely, due to me going to hospital for XXXX. They took my VA widows pension and Social Security. No funds. My name is XXXX XXXX phone XXXX. Need funds to pay my rent and bills. Thank you
Product: Credit reporting or other personal consumer reports

On XXXX XXXX 2024 the XXXX XXXX was called to find out when the paid in full account would reflect on my credit and they said it would but didnt give a time frame. 

It still shows that i owe money and it is a negitive effect on my credit. 

XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account every month since XXXX. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late XXXX times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and XXXX all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless Capital One tells them to, so they update the account each month with more inaccurate data than the month previous.
Product: Debt collection

My complaint is that MIDLAND CREDIT MANAGEM has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XXXX XXXX XXXX MIDLAND CREDIT MANAGEM has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld could not provide a validation letter with my consent giving them permission to add this account to my credit report and this is violating my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute 3 times, ( one is pending ) and AWA has promised to remove the record BUT keeps adding it back.

ITEM IN DISPUTE : AWA COLLECT XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy The creditor agreed to delete this account. 
CONTACT INFORMATION AWA COLLECT, COMPLETED ON XX/XX/2021 ITEM IN DISPUTE : AWA COLLECT XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy The creditor agreed to delete this account. 
The creditor agreed to change account information. 
CONTACT INFORMATION AWA COLLECT,
Product: Credit reporting or other personal consumer reports

This seems to stem from a business account that I guaranteed and this debt collector never tried to collect from the business and no written communication was ever received. There was also no attempted to collect from me personally prior to putting a derogatory item on my credit report. This action by the debt collector has caused great financial harm to me because of the credit score impact and has prevented me from obtaining necessary financing. ATG credit ( debt collector ) has entered a derogatory item in collections which never appeared on my credit report previously as a balance, nor was ever reported as a late pay for the amount of {$2200.00}. I have repeatedly tried to contact them and they have been combative at best. XXXX XXXX ( of ATG Credit ) finally emailed documents to me but until XX/XX/2024 I had no idea what this was even for because I've never heard of ATG Credit before in my life.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and me currently listed and showing on my Chex Systems consumer report ID : XXXX isnt my inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX