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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection Inquiry : XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am writing to complain about XXXX XXXX XXXX and a store in Florida that has been harassing me for years and says I owe them money when I do not. 

I originally purchased phones from them to take with me overseas where I lived. They told me the phones would work overseas and they did not. I originally spent close to XXXX dollars on the phones, cases and a speaker. I immediately flew back to Florida to return them right away because they have a 14 days return policy in order to receive a full refund for my purchase. When I arrived, I initially called to speak to the manager and sales person who sold me the phones. They placed me on hold several times and never picked up the call. They also took many messages from me and no one returned my calls. I called XXXX and they told me to go back to the store and ask for an immediate refund which when I arrived at the store the clerk said he could not give me a full refund. I then told him I wanted to speak to the sales person who sold me the phones and he was unavailable along with the manager of the store. I finally had to call the police in order to get their complete attention and a full refund from the store. I had returned the phones on day twelve, 2 days before the 14 day return policy. All the items were still in their packages and everything in tack. I had the receipt as well. I did everything I was suppose to do in order to receive a full refund and never used the phones or phone service because the sales rep and manager of the store lied to me to make a sale. The manager had deactivated the service upon the return.. He gave me half of the refund in cash and the rest was sent by check from XXXX. Approximately a month later I received a bill for XXXX dollars without any explanation from XXXX. I called their headquarters and explained what had happened and they said they would investigate it and get back to me and never did. Soon after and still I am receiving letters from collection agencies claiming that I owe this amount. I sent these agencies letters explaining what had happened and attached and sent copies all of my receipts and names of people i spoke to at XXXX along with the names of the sales person and manager of the store. I sent emails and mailed them letters with copies of all receipts. I never heard back from them and they still list this debt on my credit report under collections. It has been over 3 years since this incident occurred and i believe that because I called the police to assist me with this return that the manager is behind this false charge or fee that has no bearing or explanation at all. Please help me to finally take this charge off my credit report. It has hurt my score tremendously and I dont know what more to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 card

Citibank forcefully closed my credit account and is denying me access to use my available credit limit. Despite making regular monthly payments and having available credit, Citibank has closed my account without proper justification and continues to demand payments from me. This action is causing significant inconvenience and financial distress. 

I have attached a screenshot as proof of my payments and available credit. 

I request the CFPB to investigate this matter and take appropriate action to resolve this issue, ensuring that I regain access to my available credit and that Citibank 's actions are corrected. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from OneMain Financial on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

My servicer SETERUS approve me in XXXX XXXX, 2015 for a XXXX months trial payments reducing my mortgage payments to {$1300.00} it was supposed that my trial end on XXXX XXXX, 2015, and since then my mortgage will be permanent modified. Today XXXX XXXX, I still continue doing trial payments and anytime that I or my housing counselor contact SETERUS we received same answer that there is not news about final loan mod. 
Please help me.
Product: Credit card

I took a 0 % interest credit card transfer from my at & t Universal Card. The interest free period was to end XXXX XXXX, XXXX. I set up auto payments to insure the entire amount transferred would be paid off before the interest free period ended. I took a separate second 2.9 % interest balance transfer that is to end XXXX XXXX, XXXX. I inquired with the company that if I did that would it interfere with paying off my 0 % transfer. They advised me if I paid the minimum payment, any amount above would go to my balance that was expiring first. I paid off more than my 0 % transferred amount before XXXX XXXX, XXXX ( I owed {$1300.00} and I paid {$2100.00} by XXXX XXXX, XXXX ). The manager today told me as per the Federal Government they pay off the higher interest first, even though I specifically designated this payment to go to the one where I would be hit with a balloon back interest payment. So rather than being charged {$35.00} for 2.9 % interest they are charging me {$1300.00} for not paying the transferred balance by XXXX XXXX, XXXX. It is ridiculous!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification from XXXX saying my address was updated to an address I never lived at. XXXX said I could not dispute it because it was linked to an XXXX Affirm accounts on my credit report. This is not the first issue with Affirm. Affirm is aware of identity theft, I have disputed multiple times with them in the past. Now they have updated my address to an address I never lived at possibly putting my information at risk. This needs to be fixed immediately!
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX, I was contacted by individuals claiming to represent XXXX XXXX and that they were about to shut off the power to a house I own within XXXX minutes due to non-payment of the electric bill. I was asked to send them payment through XXXX so they could credit my account that day and stop the power from being turned off. 
I wasn't at the property at the time to know that there was no one outside to turn the power off. 

I transferred {$840.00} from my USAA XXXX checking account on XX/XX/XXXX around XXXX XXXX. The payment showed pending and then I got transferred to another XXXX XXXX representative and was asked to transfer money from a different account at XXXX through XXXX since the payment didn't go through. I transferred {$990.00} to the same XXXX account. 

The name of the XXXX account was XXXX and the phone number used was XXXX. 

After the second payment went through I realized I was scammed. I called both banks that day to lodge a complaint but there is little interest on their end about stopping XXXX fraud as they don't believe they have any liability for the service. 

I was hoping they would report this to XXXX so they could shut down the illegal account and stop transfers going through to that number.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX that my address had been updated by Equifax. I would like to see my Equifax credit report to determine what address has been added, so that I can correct it. However, I can't obtain my Equifax credit report. I am able to obtain XXXX and XXXX, but I get an error message whenever I attempt to obtain my Equifax report, which is suspicious and concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on an open ended consumer credit plan as late for any purpose.
Product: Debt collection

I have disputed this twice with KLS financial on XXXX where I requested validation and nothing was sent either time. They only responded saying that it as verified. I have asked numerous times from them and the original creditor for proof of this bill for over 3 years and I have yet to receive anything. I tried to negotiate a settlement and they declined. This is my second time writing a CFPB about this and KLS tried to say it wasnt again them BUT IT IS. They have yet to provided the information. If the information is not provided this needs to be removed. I am willing to get a lawyer at this point to get this handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX has violated my rights. 
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.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were several inaccuracies on my accounts. These inaccuracies are affecting my report and impacting my ability to obtain credit. It is my understanding that Experian and Equifax will investigate these accounts to ensure the information is accurate. The accounts I am asking you to verify are listed below : 1 ) Account Name : XXXX XXXX XXXX Account Number : XXXX 2 ) Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX. 


XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 card or prepaid card

I am submitting this dispute with American Express. I have been using the Amex Gold card, and I have added one Amex offer to my card. The detailed offer terms will be attached, but basically it says if more than XXXX dollars are spent on the XXXX property XXXX XXXX, XXXX dollars would be given back in the form of statement credit. I added this offer before I have booked and stayed in XXXX XXXX -- XXXX by XXXX, which is a XXXX XXXX XXXX, with its name of the list of qualifying hotels. 

The XXXX stay is from XX/XX/XXXX to XX/XX/XXXX, and the final charge posted on the statement is XXXX dollars, which satisfies the spending qualifications. However, the offer is not redeemed. I have tried contact Amex customer service for about 5 times, and have asked for escalation. The feedback is they denied my application saying the transaction is not made in the eligible locations. 

However, I have met with all the requirements for the redemption of the offer. I have added the offer to my card before booking the stay, booked the stay on a XXXX app, spent more than the required amount using the card with offer added. I don't find any of the steps would be ineligible for redeeming the offer. The hotel name is on the list of the participating hotel list, and even the name of the transaction indicates that it is in the eligible list. 

From the hotel list though, the XXXX XXXX is on the last page and the XXXX hotel counting backwards. 

I have trusted Amex and prioritized Amex cards in all my spendings, and I have never encountered issues like this. I have contacted Amex for many times, but as the decision on this case is not satisfying and even not reasonable from their internal examination, I have to contact them in this way. 

I will upload the hotel folio, the offer terms, the list of the eligible hotels, and the conversation between me and the customer service.
Product: Credit reporting or other personal consumer reports

CFPB, question, why are my submissions getting closed upon their initial response? I received XXXX XXXX XXXX response that has no relevance to my concerns a long with fraudulent reporting made to my credit bureaus. 

XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Mortgage

This is a follow on to my previous complaint against Wells Fargo and is in relation to the settlement made with the government. I previously submitted a complaint around the handling of my XXXX request for loan modification. The assigned Wells Fargo representative was helpful through that complaint process but was unable to tell me specifically why I was denied a modification. She did send me all of the documents they claimed to have retained from that period however she also informed me that Wells Fargo didn't keep any of the recorded inbound or outbound calls from that time period which seems very odd in light of the ongoing investigations. 

Wells Fargo sent me one document that stated the modification program required a 31 % DTI and a calculation of my XXXX income. Unfortunately, and despite the fact that I am and was a W2 employee. Wells Fargo only gave me credit for a monthly gross income of {$8000.00} when in fact per my XXXX W2 my income was {$15000.00} on a gross monthly basis. By reducing my gross income, they eliminated my ability to obtain a loan modification and ultimately save my home. I offered in a call this weekend to sign a XXXX to support my income claim which directly refutes Wells Fargo 's calculation for XXXX. 

As a result of information provided to me on at least two recorded calls with Wells Fargo in late XXXX and early XXXX they directly told me I had to be in default on my payment to qualify for yet another modification program. Of the two available at the time by the government one expressly prohibited you from being behind ; in other words, for one program, you had to be up to date on all payments and actually not have a late payment.

On the other program Wells Fargo claimed you couldn't exceed a 31 % DTI and then with my income information in hand excluded 50 % of my gross monthly income to ensure I didn't qualify for that program either. 

I can't help but feel that I was in fact eligible for both programs in XXXX and Wells Fargo intentionally took deliberate steps to prevent me from access to a loan modification.
Product: Credit reporting or other personal consumer reports

I have spoke with XXXX XXXX XXXX  on several times they sent me letter for the credit bureau to update this information they still havent updated the information and is still reporting late payments on my account I ask that they either remove this from my credit report or fix the issue as attached is a letter from XXXX XXXX on this account with account number as by law it isnt correct and I know my rights. If you believe its fair and right to keep reimporting something that the company told you was closed years ago If you believe it's correct, I demand : The date whomever validated it was correct.The method used to validate this Billing error. The name of the person who received the permission to Validate this error.The documents used to determine this error.I would appreciate it if this matter were handled in a timely manner. Im giving 10 days for a response before I take action and matters into legal action
Product: Credit reporting or other personal consumer reports

I am wri ng to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documenta on you may request from me in rela on to this dispute. 
Upon reviewing my credit report, I have iden fied the following unauthorized inquiries : Company name Date of inquiryI did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCR
Product: Credit reporting or other personal consumer reports

This company is fraudulently claiming that I owe a debt, providing only fabricated reports they purchased from a third party. They continue to increase the alleged debt every month without any legitimate basis. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXXXX/XX/XXXX, {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS ON EQUIFAX. I HAVE CONTACTED THEM SEVERAL TIMES TO FIX INACCURACIES ON MY CREDIT REPORT. INSTEAD OF THEM FIXING THE INACCURACIES THEY KEEP UPDATING THE COMMENTS " CONSUMER DISPUTES, REINVESTIGATION IS IN PROCESS '' I HAVE NOT REQUESTED ANY DISPUTES. EACH TIME THEY UPDATE REMARKS ON MY ACCOUNT. MY SCORE DROPS. I PAY XXXX A MONTH TO THEM TO BE ABLE TO SEE WHATS GOING ON WITH MY CREDIT REPORT. I HAVE SENT THEM COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ON XX/XX/XXXX XX/XX/XXXX. NOW THEY ARE SAYING I CAN NOT HAVE ACCESS TO MY INFORMATION BECAUSE MY IDENTITY CANT BE VERIFIED. I LAST SPOKE WITH SOMEONE XX/XX/XXXX, PRIOR TO TODAY I SPOKE WITH SOMEONE XX/XX/XXXX I HAVE SEVERAL CONFIRMATION NUMBERS BUT THEY STILL WILL NOT DELETE OR FIX THE INACCURACIES ON MY CREDIT REPORT. KEEP IN MIND MY NAME AND PERSONAL INFORMATION WAS LISTED IN THE DATA BREACH. ERRONEOUS COMMENTS AND ACCOUNTS THAT NEED TO BE DELETED ARE XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. HAVE SPOKEN WITH THEM SO MANY TIMES THAT I RECEIVE SURVEY REQUESTS BUT THEY CLAIM THEY CANT VERIFY MY IDENTITY, HOWEVER THEY HAVE NO ISSUES DEDUCTING XXXX OUT OF MY ACCOUNT FOR THE EQUIFAX COMPLETE PLAN