23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed an identity theft dispute for a card w/all XXXX bureaus at the same. Included my info + FTC identity theft report. XXXX and XXXX quickly investigated and removed the card. Experian has continually lost my paperwork info/constantly closes the disputes saying the credit grantor does n't know how to contact me to discuss the identity theft when I SENT THEM PROOF OF A CERTIFIED LETTER +THE CREDITOR 'S RESPONSE TO SAID LETTER. Every time I re-open the dispute they ask for the SAME PAPERWORK I have already sent AT LEAST 3 times both via certified mail and now on their website. ( Which it took months to get it to actually work for the document uploads without giving me an error. ) Every time I call the lines are busy, and I just keep getting these mailed responses telling me to re-send all the documents I have already sent 3 or 4 times both physically and electronically. And to also reach out to the credit grantor. ( Even though I sent proof of already doing so. ) Throughout ALL of this they have not actually investigated the actual identity theft even though there 's tons of proof behind my not taking out the card. I sent them a letter explaining the situation, including the fact that some phone numbers, addresses, and employment on my report along with the card were from that very same identity theft. So of course they remove the phone numbers, addresses, and employer ( removing the evidence, but not the actual issue ) but leave the card and ask for all the paperwork I already sent yet again. 

I am so beyond done with this. There 's only so many times I can re-send information before just assuming a company is completely inept, especially given how quickly XXXX and XXXX resolved the issue. I can not believe that this company is still considered one of the " big XXXX '' credit bureaus in the United States. How laughable.
Product: Debt collection

XXXX XXXX XXXX XXXX. and NATIONAL CREDIT SYSTEMS Have falsely claimed and reported to my credit report that I owe them {$6200.00}. They claim this account was opened in XXXX. They state that I was evicted. I asked for a copy of the lease agreement, money order for the deposit with and original application and copy of my drivers license they have on file, a copy of the eviction notice from the court, etc, they could not provide it. They have only sent me a fake copy of a lease with a fradulant signature. I have sent the copies of my drivers licenses, tax returns, W2s, etc showing that I have lived and worked in Texas since XXXX and have never moved back to XXXX. I've disputed with each company multiple times with NATIONAL CREDIT SYSTEMS and they claim that they don't have to talk to me. They claim they work for XXXX. I've attempted to contact XXXX for over 2 years and haven't heard anything from them. I've disputed with National CREDIT SYSTEMS over 2 years and still have not received ant solutions. All they keep claiming is that the amount owed is valid. They keep sending the fraudulent lease with the fake signature even though my XXXX Texas license and current license has another signature consistent with their signature being a fraud. They need to remove this negative account immediately!
Product: Checking or savings account

I opened an online Citi savings account, but a few months later, I decided to close it. When I called to close the account, they informed me that because the account 's beneficiary is a trust, they could not close it over the phone and I have to send them a written request. 
I followed their instructions and sent in a written request, but the account remained open. When I called again XXXX weeks later, I was told that my signature didn't match, so the system wouldn't allow them to close the account. This is untrue because I don't recall ever signing any physical documents since everything was done online. Even if I have signed something, it would still be my signature. I believe this is just an excuse to make it difficult for me to close the account. 
Now, they are asking me to submit a notarized request to close the account. Citi is deliberately making the process difficult for customers to close the accounts. They hope that customers will give up on closing their accounts after encountering so many obstacles.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I got behind in my payments, but was never put up for repossession. In fact I have had the car for 2 years making my payments and I was never up for repossession. I early XX/XX/XXXX I went online to make the payments to get back on track and discovered I no longer had an account. I contacted the company and they informed me that my account had been charged off on XX/XX/XXXX. No being a business guy I only assume they did this because the company had changed names and they wanted to get rid of " bad debt '' under the old company  name. This is a nationwide company I am speaking of. The company is XXXX formerly XXXX. I received no correspondence from them regarding the charge off. No a letter, email, or phone call. So here were the terms of what they offered me. I could pay the past due amount and then make monthly payments and keep the car till it was paid off. Yet, on my credit report it would show as an account closed and a charge off. Which in turn no shows up as a repo and a past due balance of almost {$7000.00} which is not the case! I have made every payment on the vehicle and still have it in my possession. They also refused to provide me with any paperwork about the new agreement. They have refused to budge on the credit report issue and stated that even when the car is paid off they will not change it and it will still be listed as a charge off.
Product: Debt collection

On the XXXX of XXXX I received a notice in the mail that I owe {$320.00} for a debt for an account with XXXX XXXX XXXX in XX/XX/. 
I have no account with XXXX XXXX XXXX, and I never carry debt. I do not support usury. 
The letter was sent by a company called Sage Capital Recovery. They gave me a Sage reference number of : XXXX Knowing that the letter was phishing for information to get into my bank account, I filed it away. 
Today a woman called and behaved roughly on the call, and hung up when I mentioned fraud. 
The company lists an address of Sage Capital Recovery XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX The number the offensive woman called from is XXXX I recently unfroze my XXXX  account briefly to allow a merchant to check my credit for a credit card -- I never carrry a balance forward on credit cards even -- so it is possible that there was a security breech at that time. 

Please prevent Sage Capital from perpetrating further chicanery against me or others. 

Thank you for your time and attention.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and XXXX XXXX XXXX. We hardly finished overcome a bad hurricane. This is added stress
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to get my TransUnion credit report every day for the past week. Each time, it says my report in unavailable. I chatted with a representative on XX/XX/23. He informed me that TransUnion blocks access to credit reports while there is a dispute being investigated. There is no such law that allows any credit reporting agency to block access to a credit report after filing a dispute. I requested a copy of my credit report to be mailed to me and the representative said he can not send a copy of my credit report either.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX Balance {$5800.00}, XXXX XXXX balance {$1500.00}, XXXX XXXX XXXX {$310.00}, XXXX XXXX XXXX Balance {$11000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Formal Complaint Against RentDebt Automated Collections LLC Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against RentDebt Automated Collections LLC regarding their improper debt collection practices, which I believe violate my rights under federal consumer protection laws.

RentDebt Automated Collections LLC has been attempting to collect a debt from me in the amount of {$570.00}, which was reported as opened on XX/XX/XXXX. I want to clarify that I do not owe any debt to this agency. I have never entered into any agreement with RentDebt Automated Collections LLC, nor do I have any outstanding obligation to them. 

Despite my clear assertion of non-recognition of this debt, RentDebt Automated Collections LLC continues to harass me with frequent phone calls demanding payment for an unsubstantiated debt. They have failed to provide me with any validation information, as required under 12 CFR 106.3.4 ( b ) ( 5 ), to verify the alleged debt 's legitimacy.

Furthermore, RentDebt Automated Collections LLC has unjustly reported this disputed debt to consumer reporting agencies without granting me the opportunity to dispute the account, as outlined by 12 CFR 106.3.4 ( c ) ( 4 ) ( i ). This action directly violates my rights under consumer protection laws.

RentDebt Automated Collections LLC 's conduct is not only improper but also deceptive and misleading. By furnishing this disputed account to consumer reporting agencies without proper disclosure, RentDebt Automated Collections LLC is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ).

In addition to investigating the above violations, I am requesting the following information from RentDebt Automated Collections LLC : The purchase agreement or contract between RentDebt Automated Collections LLC and the original creditor, Cedar Forest Apartments, establishing RentDebt Automated Collections LLC 's authority to collect on this alleged debt.

Proof that RentDebt Automated Collections LLC is properly licensed and bonded to operate as a debt collector in accordance with applicable state and federal regulations.

I request that the Consumer Financial Protection Bureau investigate these violations and also request the disclosure of the above information from RentDebt Automated Collections LLC. Enclosed Please let me know if you require any additional information to proceed with the investigation. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card

On XXXX XXXX on XXXX XXXX flight XXXX from XXXX to XXXX ( XXXX ) we were offered a " special offer '' to earn XXXX bonus XXXX bonus miles if we openedup a Citi / XXXX. I filled out the form and gave it back to the flight attendant. After a month on XXXX XXXX, I called Citi on to see what happened to myapplication. An employee and manager confirmed that they never received my application. This is very troubling because the application contained my social security number, and other personal information. Citi said that legally all applications must be processed within a month. They told me to contact XXXX XXXX. XXXX told me that I needed to file a complaint online which I did. My Report : XXXX ( XXXX ) was answered today saying that, " We forward all applications directly to Citibank for them to process and they would be the ones investigating the status of your application. '' Now I do not know who to contact next.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX XXXX Equifax requesting that my old address be removed and updated with my current address. I provided a copy of my ID/SS Card & a current utility bill to support my request. The dispute was opened with XXXX but the address has not been updated. It still reflects the old address. This incorrect address is causing issues with me submitting a mortgage preapproval request. My information reflects a mismatch and until the address is updated, the lender is unable to retrieve my credit file.
Product: Bank account or service

Upromise, who is owned by Sallie Mae provides 1 % cash back on eligible purchases. We have submitted the last XXXX checks and have never received them. We have logged online and sent customer service multiple emails. We did not know who to contact Uppromise is operated by a Credit Card Company, Owned By SallieMae so we were unsure as to who to contact within your department.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$140.00XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Thank you in advance. Last year I opened a credit card with Union Bank. I know of one location on XXXX XXXX XXXX. in XXXX XXXX, California. In XXXX of 2020 I received a statement for the {$49.00} yearly fee. Since I no longer needed this card I called up to cancel the card on XX/XX/XXXX. This is way before the statement due date of XX/XX/XXXX. The following month I received another statement for same amount. This was on XX/XX/XXXX. They claim I still need to pay it, even though I cancelled the card. I asked to speak to a supervisor. They said one would call me back within 3 business days. That never happened so I called them today XX/XX/XXXX. I was able to speak to a supervisor named XXXX employee # XXXX. She said she would file a complaint on her end. I have no faith in this bank now. I feel I should not have to pay the yearly fee since I cancelled the card and will not be using it. Thank you.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/year> stating I received a hard inquiry on my Transunion Credit Report from XXXX XXXX. I did not apply for anything with this company.
Product: Checking or savings account

I feel like im being taken advantage of and being ignored of my disputes. I am not receiving adequate valid verification. I have not received any documentation to corroborate the claim for this negative listing on my XXXX and XXXX XXXX XXXX I am asking to be provided with any and all documents bearing my signature that legally binds and contractual obligation for this account. Absent of these documents you are illegally reporting this negative listing and will be liable to me for the stress this has caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2024 filled a complaint. The complaint was deleted on XXXX then returned back on XXXX on XX/XX/year>2024. This collection agency was XXXX XXXX XXXX. These same accounts was deleted from XXXX. 
XXXX did not do an investigation. 
Another Account was showing paid but XXXX said nothing has changed so it will remain on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Experian and XXXX   were unable to help me remove this, CFPB please delete the accounts XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my XXXX credit report : 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  these Accounts were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed on attached FTC REPORT, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION XXXX ( a ), SECTION XXXX ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report :
Product: Debt collection

i got a letter from unifin that i owe XXXX and i do not owe any company any money. 

im gon na also dispute this account by mail and by email and im filing cfpb report. 

you cant put a collection on my credit report that i do not owe i already have a ftc report and police report and ill dispute it with XXXX  and XXXX and XXXX  if you try to be sneaky i might even file a small claims in court easy money per fcra laws XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I used their services ( Tap Tap Send ) to send {$680.00} to my family in XXXX for medical emergency. They were supposed to receive the money within minutes, but until the time that I am making this complaint my family have not received the money and somebody's live is at risk. I contacted the company everyday since the day of the transfer and nothing has been done to solve the issue. I even explained to them that it was for medical expenses, they promised to escalate and resolve it ASAP on Sunday but nothing has been done. Everytime I call the give me the same answer with no time line on when to expect it to be resolved.