23daVinci/CFPB_Complaints huggingface dataset:
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 items 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 ITEMS which is found to be opened due to identity theft. The disputed items 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 these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

I have a company called qualia collection services from XXXXphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in XXXX for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to XXXX XXXX and medical and XXXX
Product: Credit reporting or other personal consumer reports

Please see my hazard and circumstance in the attached document. I am seeking the deletion of the XXXX Account and the removal of the two inquiries and statutory damages for no permissible purpose OR/ XXXX trapped me into a Secured Loan application seeking a vehicle for collateral therefore ; Please mandate an EQUAL Credit Opportunity from XXXX XXXX the amount of XXXX secured against my security interest in the company. 

For XXXX please enforce my security interest in the company and provide at least XXXX store credit or relief paid to the beneficiary XXXX XXXX XXXX ; See the attachment for clarification even though the situation is much worse, this is all I had the spiritual energy, physical strength, knowledge, and competency to produce.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX  XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX  XXXX account shows discrepancies across all three credit bureaus ( TransUnion, XXXX, and XXXX ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( TransUnion ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute. 
XXXX. Truth in Lending Act ( XXXX ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement. 
XXXX. Protection Against Non-Payment of Obligations Act ( XXXX ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports. 
Last Day of Activity : Reported inconsistently between credit bureaus. 
Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks. 
Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time. 
Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to TransUnion. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from TransUnion. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Midland Credit has 2 accounts for cards that had {$500.00} limits, and have now inflated to over {$1000.00} each. I get at least 3-4 very aggressive calls everyday, some weekends as well. I'm met with hostility ; in the last call taken XX/XX/year>, I was yelled at, told I was being sued and they have the case number to move on if I don't pay. I've advised I tried to work with the creditors as I'm now unemployed and dispute the additional {$500.00} in fees on each card. I was ignored and passed to another agent that said the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX US Bank ( XXXX XXXXXXXX XXXX ), to send a wire to XXXX. The company was hired to assist in the legal requirements for a residency visa application. I provided the banker with a copy of the invoice which detailed the wire instructions including the intermediary bank to use ; however, I was told USB did not allow for requested intermediary banks. I was asked to wait in the lobby while the wire was sent in case of questions. No questions, I received a wire receipt. 
On XXXX I received a call from the banker that the intermediary bank XXXX had questions about the beneficiary, XXXX XXXX. Address, location, services provided. The owner of XXXX explained that most of the details were on the invoice I supplied the Bank. I received an email back from USB that the details provided were approved and that " the wire was out on our side. No more requested or needed ''. 
However, on XX/XX/XXXX, I called USB because the wire still had not been received. 
XX/XX/XXXX I received an email that the funds were being " held '' by XXXX and that USB had requested a trace. 
XX/XX/XXXX : Frustrated with the problems with wire at USB, I initiated a recall. I then transferred the money from my XXXX account to the beneficiary. Funds were received within XXXX minutes and my financial obligation was met. Same day, USB emailed me that XXXX acknowledged the recall request but refused honor until questions about the beneficiary were received : provide full legal name, full address, country of incorporation, address of all locations worldwide, headquarters address, tax ID number, economic purpose of payment. All these details from a company that was to never receive the funds! I received these details, most of which were included on the original invoice supplied to USB. 
XX/XX/XXXX : USB acknowledges the information and states the information will be forwarded to the requesting bank. 
XX/XX/XXXX : email from USB this morning states holding bank states it can take a couple of days to be received. 
Last week when I asked the banker what the timeline was for resolution and he said, it could take up to 90 days but he didn't think it would. 
As a retired banker of 44 years, XXXX of which were with USB, I find this unacceptable. I understand XXXX and all the various requirements and thankful that this has not resulted in a financial hardship for me. Please provide an update and resolution. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX
Product: Consumer Loan

I paid off my Conn 's accounts, ( XXXX account paid on XXXX/XXXX/XXXX, other XXXX accounts paid on XXXX/XXXX/XXXX ) and they are still reflecting a balance to the XXXX major credit reporting agencies. 

I have written Conn 's and they sent me a direct letter back stating they are all paid in full and closed. At the same time I initiated a Dispute with the credit bureaus and they stated that Conn 's verified the balance being correct. 

This is a violation of the FCRA, FACTRA, and FTC guidelines and needs to be addressed. If they are doing this to me ... who else is a victim. 

Please assist me in bringing this company 's practices into the light for the world to see. 

XXXX SEE PAGES XXXX & XXXX to see the balances still showing** **ALSO ATTACHED IS THE LETTER SENT BY CONNS REFLECTING THE PAID STATUS IN XX/XX/XXXX BEFORE THE BUREAUS CONTACTED THEM**
Product: Checking or savings account

I put money including {$1700.00} in my Wells Fargo account that was given to me to feed the seniors and homeless dinners on XXXX & XXXX, however the money was fraudulently taken from my account around XX/XX/ and after I reported it around XX/XX/, I filed a police report with the XXXX Police Department and the same company had taken {$100.00} so I filed a claim for that one too. I was told over the phone that it was done by me or someone with my permission and that I wasn't going to get my money back. I filed a few more claims as I took the situation to the highest the corporate level and recently again was told that the claim could not be opened, but the agent who was on the phone told me that XXXX gave them the information to reject the claim saying basically that it was not fraud. I have asked several times where did my money go because you said it was a purchase so where did the purchase take place because according to my account all of the transactions shows a merchant name on it except for the {$1700.00} & {$100.00} which has no name on there but the company did grant the claim and I was refunded {$100.00} back to my account so I contact Wells Fargo again about the {$1700.00} and was again told that I would not get that money back.
Product: Credit card or prepaid card

Comenity JCrew credit card bill comes in with a payment due date. Prominently displayed on the front of the bill is a note that states a mailed payment must be received by XXXX est at the address provided. On the due date, at XXXX est, I logged on to my online account to attempt to make payment. At that point, I was only able to schedule payment for the following day ( 1 day after due date ). On the website, I learned online payment and telephone payment cutoff time on the due date is XXXX est. I could not schedule my payment so it would be timely received. I called customer service and was advised of the policy I read online. I also learned that the XXXX est cut off time is disclosed on the bill, but it is not prominent and buried in the fine print on the back of the bill. The representation I spoke with on the phone agreed to remove the late fee ( {$40.00} ) when it is charged on XX/XX/XXXX. That is acceptable to me, however, I believe the cut off time for online payments should be prominently displayed because I believe comenity uses this policy ( much like their deferred interest plans ) in a deceptive manner that is capable and targeted to the consumer public at large. It is clearly designed to obtain late fees from customers.
Product: Debt collection

On XX/XX/2022 I submitted a complaint to the CFPB ( XXXX ) in regard to Paragon Revenue Group violating my consumer rights. I received a response from the company that did not address the full extent of the fair resolution I provided. Paragon Revenue Group did agree to remove the account from consumer reporting agencies as well as XXXX out the alleged debt. Legally this company is responsible for payment for the federal violations committed under the FDCPA. I have not received my entitled compensation for being violated as a federally protected consumer pursuant to 15 usc 1692k. I will attach the original documents provided in the first complaint
Product: Credit reporting or other personal consumer reports

I have an account for {$900.00} reporting as unpaid from Capital One. It has brought my credit down over XXXX points and a credit card I had for over 20 years was brought down to a {$500.00} limit. I was turned down for a home loan because of it and I never made the credit card. I called and they couldn't give me any information. I keep getting letters requesting payment for a credit card that I never used. I have never been late on a credit card. The only credit card I had for the last 15 years is XXXX XXXX XXXXXXXX and you can check and see I have NEVER been late!
Product: Credit reporting or other personal consumer reports

According to the federal credit report act this creditor has violated my rights on the 15 u.s.c 1681 section 602 state I have the rights to privacy. 15 u.s.c 1681 section 604a section 2 it also state that consumer reporting agency can not furnish an account without my written instructions. On the 15 u.s.c 1666b A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent letters to XXXX, XXXX  and transunion requesting for the following inquries to be removed from my credit report under the fcra & the reporting time has reached 2 years and it has not fallen off my report. I called the companies XXXX which has been on my report since XX/XX/XXXX on XXXX  which should have fallen off already, XXXX  XXXX  which has not been able to provide me with information that I authorize them to pull my credit and I dont know who they are. They said that XXXX has to remove it. XX/XX/XXXX. I spoke with XXXX XXXX  and they said XXXX and transunion has to remove it. XX/XX/XXXX. XXXX  XXXX on XX/XX/XXXX on XXXX and XXXX  XXXX na on XX/XX/XXXX on XXXX has to be removed by them and XXXX XXXX XX/XX/XXXX transunion is suppose to be removed by transunion. I have addressed these issue and still no response about the inquiries removal which is hurting my score and ability to obtain other financial options that I want to explore.I resent letters again about the removal of inquiries.
Product: Debt collection

This is a charge offs but someone keeps calling my phone and phones of people associated to me.
Product: Credit card or prepaid card

I am currently a cardholder of the Barclay XXXX XXXX Master Card ( XXXX ). I originally opened this account in XXXX XXXX as a Travelocity Rewards American Express Card, but the card was transferred to Barclay in XXXX of XXXX. At the time that the card was transferred, I had accrued approximately XXXX miles under the cards rewards program. 

Earlier this summer, I attempted to redeem my miles for travel that I had purchased through Travelocity on XXXX XXXX, XXXX. The trip was booked for XXXX XXXX, XXXX through XXXX XXXX, XXXX. However, when I tried to redeem my miles on XXXX XXXX, XXXX ( which by this time had accrued to over XXXX miles ), I was not allowed to redeem my miles for this trip as 120 days had passed since I originally booked the trip. This was surprising to me, as under the Travelocity Rewards American Express Card, I could not redeem my miles until after the travel actually occurred. I immediately called customer service and the Barclay representative instructed me that I could redeem my miles for more recent purchases that I had made on my card since then, which we did while I was on the phone. During the call, I expressed a concern that I did not believe that I was obtaining the rewards level that were part of my original agreement when I had obtained my original Travelocity American Express Card. 

Immediately after getting off the phone with the Barclay representatives, I did a little research and determined that I had not received the credit for my miles in accordance with the terms of the original agreement. In fact, the original agreement terms indicated that I would be awarded {$400.00} for every XXXX miles if I booked my flight on Travelocity. However, it appears that I was only awarded {$200.00} for each XXXX miles ( i.e. {$25.00} for each XXXX miles ). Therefore, my reward was only half of what I am entitled to. I immediately called customer service again, and coincidently, the same customer service agent assisted me. She advised me that she could find no record of the of the original terms of agreement, which was surprising to me, as Barclay administered the Travelocity Rewards Card that I had originally signed up for in XXXX. She then suggested that I submit a letter to request that my rewards be redeemed in accordance with my original credit card agreement. 

I forwarded a letter as a formal request to not only redeeming the miles for the travel that I booked on Travelocity, but also redeeming those points at {$400.00} for each XXXX miles on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I received a letter from Barclay indicating that they were unable to complete my request. I immediately call their customer service department and explained the situation again. They advised me that they understood my concerns and would reevaluate the situation. 

On XXXX XXXX, XXXX, I called to check the status on this request, and they advised me that a letter was sent out on XXXX XXXX, XXXX, advising me that my request was denied again. I immediately closed my account with Barclay.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter. 

I politely ask that you fulfill my previous request. Please promptly update these transactions to reflect the correct reporting status on my consumer report. Your immediate attention to this issue is greatly appreciated.
Product: Debt collection

I disputed this collection account with the bureaus multiple times and still the have not removed it as it not my debt to pay. The debt was charged off by the original creditor and sold to a third-party collection agency. As a result, I no longer owe the debt to the original creditor, nor do I have any contractual agreement or direct relationship with the collection agency that is now reporting this debt. Because of this, I respectfully request that this collection account be removed from my credit report as it no longer accurately reflects my financial obligations. 
Please note that under the FCRA, the information reported to the credit bureaus must be accurate and verifiable. Given that I no longer owe this debt to the collection agency, I am requesting that the account be removed entirely from my credit report.
Product: Checking or savings account

I recently alerted Chase to shut down my checking and savings account because my old cell number was still attached to it and they claimed they could not remove it. Because this number was spoofed, illegally opened several accounts and impersonated as me, I became frightened and demanded they shut my 2 accounts. It was only then it was discovered there were 4 other accounts linked to my profile and I couldn't access them but they were mine because they were under my profile. Chase would not provide ANY information, just promised all the accounts would be closed. I need a new social security number but need a police report to get this investigated first but Chase won't provide me the account number for the XXXX account, the XXXX  account or the XXXX XXXX account. It's a catch 22 situation. The nypd said they would try to help but can't complete a police report without this info, please advise