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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent in a dispute XX/XX/2020 and still havent received a response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute on my credit report for a medical bill with XXXX XXXX. The contact information listed for the creditor on my credit report is wrong. I have called that number many times and it doesnt connect. I have XXXX  numbers to call and none of those numbers work as well. I have called XXXX XXXX as well but I need my bill number which I dont have since this is from years ago. I have tried to paid and can not get in contact with anyone to pay. Please remove this from my score.
Product: Debt collection

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX On XX/XX/XXXX I started working for XXXX XXXX services In the state of XXXX . I had worked for them 5 years ago under the name XXXX security in the state of Kentucky. They reassigned me the employee ID number I had 5 years ago. My check had been garnished by XXXX XXXX, attorney at law in XXXX, Ky on behalf of XXXX XXXX Hospital, also in XXXX, Ky when I had worked for XXXX XXXX. The Garnishment started back up when I went to work for XXXX security services this past XX/XX/XXXX. 
on XX/XX/XXXX I contacted XXXX XXXX Hospital and was told that I had no active accounts there, so XX/XX/XXXX I contacted XXXX XXXX 's office and was told by a representative there that they had turned the account over to Central Kentucky Collections in XXXX, Ky. The representative for XXXX XXXX also said that they had not received any kind of payments from Central Kentucky Collections.on XX/XX/XXXX I contacted Central Kentucky Collections and spoke to a representative and he told me that, that account had been paid off since XX/XX/XXXX, but he would take notes and send then to XXXX XXXX, owner and manager or Central Kentucky Collections, on XX/XX/XXXX I called Central Kentucky Collections and spoke to XXXX XXXX and she told me she has been sending payments to XXXX XXXX 's Office for accrued interest and court costs.There was no more mention of the account being paid since XX/XX/XXXX. So I decided to file a complaint with you all because it seems like Im getting the run around.
Product: Credit reporting or other personal consumer reports

A Discover Card was applied for and opened in my name on XX/XX/2022 with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to Discover as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them
Product: Debt collection

Called people that was not on my contact list. I don't even know this person well enough to know their phone numbers and they told this person that I listed them as a reference. Then they told her to have me contact them. They also called my boyfriend that I also did not list on my contact list and told him to have me call them because my account was headed for legal status. That is something he did not need to know. If I wanted him to know all of my personal business I would tell him. That is why he was not on my contact list
Product: Debt collection

On XXXX XXXX this company reported that I owe XXXX to the credit bureaus when I dont know who they are and have never done business with their company.
Product: Debt collection

They will not communicate by email. Their website " contact site '' says : To email us, log in to your account and access the Email Us feature. I am in my account and there is no such " feature ''. It doesn't exist. 

Repeated calls every 2 hours, never leave a message. 

I am behind. No kidding. It is temporary hopefully. No way to communicate that to them without telephone harassment. 

Also says I owe for XXXX but I don't. I have payment coupons from them that says so. Repeat offender over and over through the years.
Product: Vehicle loan or lease

Westlake Portfolio Management ( wpm ) sold a XXXX XXXX XXXX XXXX XXXX XXXX. The vehicle was collected on XX/XX/XXXX and sold on XX/XX/XXXX. I XXXX XXXX was in the middle of litigation with the OC ( Original Creditors ) U.S. Auto Sales which is also affiliated with the lien holder U.S.Auto Finance. I received a judgment on XX/XX/XXXX that the contract that WPM claims to have POA on from U.S. Auto Sales/U.S. Auto Finance was considered with a Final Order rescinded. On XX/XX/XXXX that order was final, a law firm by the name of XXXX XXXX XXXX who also represented WPM in a previous case case number XXXX. They also decided to represent U.S.Auto Sales inc filed a motion to set aside default and tried to open a default on XXXX XXXX. As of today the judgment still stands I No longer have a contract with U. S. Auto Sales/ U.S. Auto Finance nor do I have a contract with WPM that collected XXXX dollars plus on a vehicle they sold and sole from private property. and they continue to want to collect on something that has been canceled per state rules for FRAUD. XX/XX/XXXX the judge stated that his choice of cancelation of the contract still stands
Product: Payday loan, title loan, or personal loan

I have recieved numerous offer letters from One main financial. The will call me constantly, they email me and now send me mail. I have never in the past requested, signed up for, or asked for any service through one main financial. I spoke with XXXX XXXX today on the phone at XXXX using the phone number XXXX. I discovered this company had all of my information to include my social security #. They have willfully and knowingly collected my information from a fraudulent source with out permission. They continue to harass me about their products all though I have blocked their phone numbers, blocked their email address when I get them. This company is knowingly soliciting services gathered from information I never game them.
Product: Checking or savings account

My name is XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX, phone XXXX. I am a customer of TD Bank here in XXXX XXXX. I had never had a savings account with them, but had CDs with another bank. I received an ad from TDBank saying that if I opened a new savings account of {$20000.00}. with them from another source that I would receive a bonus of {$200.00}. after 90 days of deposit. I did this on XX/XX/XXXX, I went into the bank, sat at a desk with an agent who explained what the new account was all about. I deposited a check for {$20000.00}. from the XXXX XXXXXXXX XXXX to open my new TD savings account. No one said anything about it having to be opened ON LINE, which is claiming is the reason I didn't get any bonus. After 90 days I I received a statement saying that I had earned XXXX CENTS interest!!! Wonderful. I called, went into the bank, fussed for 2 weeks and have had NO response from them other than they are WORKING on it. .The email that had lured me into their scheme is still in my here in my email file. I can forward it to you if you want. Had I left my money in the CD at XXXX  I would have made {$12.00} ub the 90 days. I am filing an official complaint, FALSE ADVERTISING. I would never send my moneyto an email that I didn't trust its source. SURE, it said TD Bank, but have been a scam from anywhere. 
Please help me. I am XXXX XXXX XXXX and my money is important to me. -- XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TOXXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I signed up for an XXXX XXXX credit card on XX/XX/2019. I signed up prior to booking a flight that day after noticing an ad that offers {$250.00} off for flights purchases along with interest free payments within first 6 months. The card is managed or financed by Citigroup retailing services. After getting approved for the card, I purchased the flight that same day using the newly card for {$900.00}. About a month later, I noticed that the {$250.00} credit did not apply ; I called customer service, and I was told to wait a little longer since it had not been long enough. I called again on XX/XX/XXXX to inquire about the {$250.00} credit. To my surprise the customer service rep told me that the {$250.00} would not be applied to my card since I applied to the " fly now '' program and not another program. When I noticed the ad on XXXX XXXX, I simply clicked it, followed the prompt to sign up for the credit card and got approved almost immediately ( the whole process took about XXXX ). It did not specify a difference between a " fly now '' or a different program to receive that {$250.00} credit. Even the customer service rep I talked to agreed that it was malpractice and a misleading ad. She agreed to file a complaint for my case since that's all she could do on her end. Until almost 2 months after getting the card, I found out that I would not be receiving that credit. 

I wish to file a complaint against XXXX XXXX and/or Citi credit card for posting this misleading ad, or simply as I see it false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX  XXXX Date opened : XXXX XXXX XXXX  Balance : {$170.00}. Please see that this inaccurate information were corrected immediately.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Hello, I signed up for the American Express Gold card due to their offer to get 4X points on all shipping services that I paid for using my card. Here is the link to the offer on their site https : //creditcard.americanexpress.com/d/business-gold-card/? utm_programname=businesslinkonconsumer You can see the offer for 4X Shipping right there. 

Everything went well on the first card, then I paid them the fee and signed up for more cards. Somewhere along the line, they stopped paying me 4X points. I called 4 times over the course of several months ( they have the records ) and they said they would research the issue and get back to me. Every time I called they said they sent me a letter, but they did not. During several of the conversations, the assistant told me that the reason I wasnt going to get my points is that they changed the program and this vendor ( XXXX XXXX ) was suddenly no longer classified as a shipping company to them. Instead, they were simply a 1X points category ( see screenshot below ). Here is their website for reference, they are definitely a shipping company https : //crst.com/ Here is a summary of my cards as I have ( 3 ) total 1 ) Card ending in XXXX I received all my points on this card just fine, so I signed up for another card. 
XXXX ) Card ending in XXXX Some of the charges provided me with 4X points, These are shown by the blue circle with 4X on their website, but I was unable to post a screenshot here in your messaging system. Some of the charges are missing the blue circle so in those cases I did not receive the 4X points that I should have. 

XXXX ) Card ending in XXXX I Didnt get any of the 4X points. Again I was unable to post a screenshot here in your messaging system There is not a blue circle showing 4X. I dont have any way to export all the charges to show the total amount of points that I am due.

Their website only provides me a summary, so I dont have any way to calculate exactly how many points they owe me, but it is definitely XXXX of XXXX of points they have cheated me out of. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

- I opened a loan with XXXX in XX/XX/XXXX o Encountered financial hardship Fall XX/XX/XXXX due to rental property sale falling through / loss of tenant income had to remarket the property. 
o I contacted XXXX via phone in XX/XX/XXXX ( while still current ) requesting an extension. The rep advised there were no option available & to call back once the loan went delinquent. 
- Loan charged off XX/XX/XXXX, Prosper sold the loan to Velocity Investments , LLC - XX/XX/XXXX I was contacted by XXXX XXXX, on behalf of Velocity Investments , LLC. We agreed on a settlement, which I fully satisfied by XX/XX/XXXX as agreed - XXXX  continues to report my account as Charged Off / Account Sold Transferred on all 3 major credit bureau reports o I disputed through XXXX, XXXX, and XXXX  results have come back with no changes to the reporting, despite the fact I paid the account in full via settlement. 
- XX/XX/XXXX I called the creditors XXXX # as listed on my XXXX credit report, explained the situation, thinking I was speaking with XXXX. Agent transferred the call & new agent said I was speaking with XXXX a company Id never heard of. That agent informed me that XXXX sold the loan to XXXX we outsource to a number of companies to assist with collection. I asked, What about Velocity Investments , LLC?, to which she replied, Oh, theyre probably one of our affiliates. 

I have satisfied this debt in full, yet XXXX continues to report the account as 'charged off ' to all 3 major credit bureaus - no entity will take responsibility for updating my credit report to reflect the account as paid with no remaining balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REPORTING LATE PAYMENTS ON MY ACCOUNT, XXXX XXXX REPORTS DIFFERENT LATE PAYMENT MONTHS TO EACH OF THE CREDIT BUREAUS. THE INFORMATION THEY ARE PROVIDING TO XXXX, EXPERIAN AND XXXX IS NOT CONSISTENT ACROSS THE 3 BUREAUS AND THEREFORE NOT ACCURATE. XXXX HAS A LEGAL OBLIGATION TO PROVIDE TRUE AND ACCURATE INFORMATION TO THE CREDIT BUREAUS. IF THE CREDIT BUREAUS SHOW DIFFERENT " LATE PAYMENT '' MONTHS FOR THE SAME ACCOUNT XXXX XXXX  IS CLEARLY NOT PROVIDING ACCURATE INFORMATION TO CREDIT BUREAUS AS REQUIRED BY VARIOUS STATE AND FEDERAL LAWS. I HAVE REACHED OUT TO XXXX SEVERAL TIMES REGARDING THESE DISCREPANCIES, I HAVE PROVIDED XXXX  WITH EVIDENCE SHOWING THE CLEARLY INACCURATE INFORMATION IN DATES AND HAVE ONLY RECEIVED BOILER PLATE RESPONSES REFERENCING THEIR INTERNAL COMPANY POLICIES. FURTHERMORE, THE THREE AGENCIES ALSO HAVE A LEGAL RESPONSIBILITY TO SHOW ONLY ACCURATE VERIFIED INFORMATION ON MY CREDIT PROFILE. IF HAVE PROVIDED THIS INFORMATION TO THE CREDIT BUREAUS AS WELL. THERE HAS BEEN NO REMOVAL OR CORRECTION OF THIS INACCURATE INFORMATION AS IS MY RIGHT UNDER BOTH STATE AND FEDERAL LAWS PROTECTING CONSUMERS.
Product: Credit reporting or other personal consumer reports

I disputed an accurate information with experience in regards to this account XXXX XXXX XXXX Experian stated the information was verified it accurate at the checking my report the information still obviously inaccurate on my Experian report. The account displays an open date of XX/XX/XXXX but this account was actually open XX/XX/XXXX. It should be falling off my credit report XX/XX/XXXX for the report shows the payment history begins XX/XX/XXXX, which is also inaccurate. This account is also charged off twice which means this is another blatant inaccuracy. An account can't be charged off reported as collection and then charged off again this is a clear inaccuracy that Experian allow to remain on my credit report. The account is not 100 % accurate so it is been an accurate it should be deleted immediately.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I had our contracted XXXX dealer out to fix my furnace. As soon as he saw our 8 yr. old furnace he said these furnaces are NOT very good. He looked at it and said it needed {$5000.00} to fix. He then became a salesman and showed me his brochure of XXXX XXXX systems. Prices were outrageous ours was {$16000.00} I asked was there a discount for cash and he said no. He said I can get you ZERO interest loan at $ XXXX for 60 months. I signed an XXXX to get furnace installed. I did NOT agree to these terms because I would wait for the hard copy explanation of the loan and decide then. To this date I have not received a copy of the loan agreement, bill of sale, financial figures, building permits, a completion form, or final inspection from our county permits dept. Officially the furnace work is INCOMPLETE! 
XX/XX/XXXX I get an email from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. Email said they had charged me {$16000.00} for my furnace ( payments XXXX X XXXX mos ) and had set up an account! I did NOT give them permission to do this. I protested and they sent me an email. We called the lady in charge of protests and she said we signed the contract that I NEVER saw! 
I think GreenSky, in collusion with XXXX dealer, charged me INTEREST up front in violation of the Truth in Lending Act! The outrageous price ( XXXX above MSRP ) indicated there was extra fees added and they TRIED to call it NO INTEREST loan. I did not agree to the terms and ONLY signed the order form to get a furnace installed. 
I would appreciate any help you could send my way. My credit will be ruined and a lien put on my house, and possibly get sued. GreenSky lost a XXXX XXXX lawsuit in XXXX, XXXX for the same practices! Now they are doing it again.