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

Also they stated i was denied because of my credit score but that's is insufficient According to the law 12 cfr 202.9 you can't deny me because of an credit score. This is an consumer transaction knowing that Its XXXX down for the automobile What permissable purpose did you have to furnish on my private consumer credit report you all are going against the law according to 15 USC 1611 you are willfully and knowingly reporting false information I have the right to credit bmw is extending credit to me which makes it and consumer transaction also transactions and experiences are excluded from consumer credit report so that's how you I know you are reporting false information according to the fair credit reporting act 15 USC 1681a
Product: Checking or savings account

My accounts were hit with extra overdraft, withdrawal, and monthly fees. At other times, the bank unjustifiably froze customer accounts for weeks on the pretense of preventing fraudulent deposits.
Product: Debt collection

My debt has already been paid off thru wage garnishment. I continue to receive written communication from Weber & Olcese, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Original creditor : XXXX XXXX Bought by : XXXX XXXX XXXX Wages garnished by : Weber & Olcese, P.L.C.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding unknown inquiries that have appeared on my account. Despite my efforts to address and remove these inquiries, the matter remains unresolved. 

I want to emphasize that these unknown inquiries have caused me significant concern and uncertainty about the security of my account. Despite my diligent efforts to address the issue, the inquiries persist, which is deeply troubling. 

I kindly request that you take immediate action to investigate and remove these unknown inquiries from my account. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the removal process. 

Additionally, I urge you to review your inquiry tracking systems and security protocols to prevent similar unknown inquiries from occurring in the future. Ensuring the integrity and accuracy of customer information is paramount in maintaining trust and confidence in your services. 

Failure to resolve this matter satisfactorily may compel me to explore further actions, including seeking assistance from regulatory authorities or legal counsel. However, I hope that with your cooperation, we can resolve this issue amicably and efficiently. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Consumer Loan

I discovered that Volkswagen credit reported a 30 day delinquency on my credit report. I disputed it, and XXXX claims they verified the delinquency. 
I then contacted VW and they assured me the reporting was in error and would be removed. 
I notified the credit bureaus, who refused to remove the delinquency, despite the fact I saved the voicemail from the manager at VW verifying the delinquency was being removed. 
I contacted VW and obtained an email AND a written letter verifying the delinquency was being reported incorrectly and would be removed. 
I mailed a copy of the email and the formal correspondence from VW to each credit reporting agency. They refuse to remove the delinquency because they previously investigated the matter, DESPITE THE FACT I HAVE WRITTEN CORRESPONDENCE FROM THE LENDER INDICATING THE DELINQUENCY SHOULD BE REMOVED. 
If this is not resolved, I will be forced to proceed with legal action against the credit reports. I seek to have this matter resolved without undue delay and costs.
Product: Credit card

Per XXXX - SW CFPB AGENT I am writing a new complaint against Citi Bank Cards. 

Citi Bank Card owes me {$250.00} credit unconditional. It is part of Prestige card benefits. 

Citi Bank failed to close the DISPUTE which gave a temporary credit and if the dispute is denied will NOT formally give me a credit. 

I have written to VP XXXX, VP Citi who refuses to respond to me via phone or emails BLOCKING MY ACCOUNT from Customer Service. XXXX is threatening to also charge me for the card annual fee which Citi personnel told me I have 37 days to cancel after billed. 

Citi is DISHONEST and has NOT closed the disputed charge which allows a temporary credit, not a complete credit with dispute closed. 

XXXX, Citi VP and her boss XXXX can be contacted at : XXXX XXXX Citi refuses to communicate via EMAIL or PHONE hindering resolution of this problem
Product: Debt collection

My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter Finance ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.
Product: Debt collection

I am complaining about a debt Held by Credit Management LP and originally credited by XXXX in XXXX, IL. I moved from XXXX in 2019, XXXX, and my ex girlfriend who i was moving away from had agreed to take our XXXX cable equipment to XXXX for drop off, she said she did this, and I had a picture of it on an old phone but I know it was dropped off. I have disputed this charge for years now and they keep saying it was accurate. I DO NOT OWE THIS MONEY TO XXXX, {$210.00} FOR EQUIPMENT THEY RECIEVED. i NEED THIS OFF OF MY XXXX AND XXXX REPORTS. 

THEY CAN NOT CHARGE ME FOR SOMETHING i GAVE BACK TO THEM. AND DID SO UNDER CONTRACT OF " LEASED EQUIPMENT ''. what they are doing is hurting my credit on purpose and refuse to release XXXX for equipment and services they got back after account cancelation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After returning the lease on time with no payment due, I received a bill {$6000.00} over the agreed upon amount of normal wear and tear. I disputed this in writing to XXXX. When there was no response to the dispute and I saw the amount as a balance due added to my credit report, I submitted a complaint to the FTC. Still no response from XXXX. 

XXXX ignored my dispute by their non-reply AND simply added it to my credit report, as if my written dispute meant nothing. I understand XXXX is a XXXX XXXX company, but these practices do not transfer to the US. The lease was in possession of a car detailer, which is different than their normal customer, and showed wear and tear only on the driver 's seat. I've checked the box below to make this complaint public.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXXXXXX .... Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Strictly for XXXX XXXX XXXX, EQUIFAX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry on my credit on XX/XX/2018 and XX/XX/2018 regarding the purchase of a home. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.
Product: Debt collection

Collection Agency : Scott & Associates PC ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX XXXX. 
File Number XXXX My social security, driver 's license, and resident card was stolen. I noticed this credit account was reported on my credit. I am not very good with computers and started researching what to do. 
I reported my identity stolen to the police department, sent a letter to the collection agency informing of my identity being stolen, I also sent them the police report along with the FTC Identity Theft Report that I filed. 
I also asked the collection agency to send me a validation of the debt. They were not able to provide proof of a signed agreement. This is not my debt. 
I am hitting a point to where I am not sure who can help me. I already reported it to the authorities, and have asked for this agency to close this and remove it from my credit. I am listing below the certified mail tracking numbers, and also attaching the documents I have sent to them. 
Thank you for any help. 
Letter 1 : Sent on XXXX, received on XX/XX/2021. 
Letter 2 : Sent on XX/XX/2021, received on XX/XX/2021.
Product: Debt collection

I was illegally balance billed by an XXXX ( XXXX XXXX XXXX of XXXX XXXX XXXX for an emergency XXXX  XXXX XXXX done in the emergency room at XXXX XXXX Hospital on XX/XX/XXXX. He was paid by my HMO but balance billed me for more . California 's Knox Keene act prohibits this and sets settling it between the doctor and HMO insurer. I sent a letter to the doctors billing department quoting the California law and its subsequent California Supreme Court ruling in support of it. 

I received a phone call from IQMS ( iQualified management services in Colorado ) on XX/XX/XXXX advising that it had been turned over to them collections. I advised the individual I spoke with that this was an illegal billing. She hung up and sent me a collection demand. I sent a detailed letter to them on XX/XX/XXXX describing the situation and the relevant law, and told them to cease and desist all communications with me. On XX/XX/XXXX, I received a letter from IQMS with a bunch of gobbledegoop billing stuff irrelevant to my dispute, violating the federal Fair Debt Collection Practices Act ( FDCPA ) since I had asked them to desist in calling, letter writing or any other contact. Included was a copy of my XX/XX/XXXX letter stating a cease and desist. 

The Knox Keene act specifically states that ER doctors must accept the HMO patient and if they dispute it, its between the provider and insurer and NOT the patient. 

Some of the goop I got back from IQMS claims that this is a " coinsurance amount ''. I had already exceeded my out of pocket maximum with my insurer prior to XXXX XXXX bill to me, so there can be no " co-insurance '' charged to me directly. 

I also had two contacts with XXXX XXXX, both of which told me it was not legal for them to make this collection and XXXX XXXX sent the doctor a letter advising him of such, which he ignored. 

If you XXXX XXXX XXXX XXXX you will see nothing but one star reviews regarding incorrect billing and practices.
Product: Debt collection

So I was work yesterday I was called by capio partners admitting on the phone that they called me at work, told me oh your work sounds really busy I told them not to call me at work, Im in state law enforcement facility. ( XXXX ) you can not be calling a law enforcement agency disrupting the phone lines that could be potentially emergency communication coming through, they have told my commanding officers of said debts, they have called and harassed my place of work asking for me, even when Im not on shift. They have leaked personal information have constantly blown up my phone sometimes past XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I saw incorrect accounts on my credit report, and Im completely baffled as to why theyre there. I check my credit report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might just be a glitch, but nothing changed. The inaccurate accounts didnt disappear, leaving me feeling helpless. Please, Im begging you to review the documents Ive sent carefully so I can finally stop worrying about this.
Product: Student loan

I was forced to sign more loans with out any information about why I had to sign. Was told in would not graduate if I did not sign and I was not able to go back to class.
Product: Debt collection

XXXX XXXX XXXX hired by XXXX company named XXXX XXXX XXXX has foreclosure pending as we speak to foreclose today XX/XX/2018 Homeowners are elderly people XXXX company/XXXX XXXX going bankrupt so they foreclose on homeowners to gain their property These companies are fraudulent
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and Removal of Charge-Off Account # # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # # XXXX I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

In XX/XX/2022, I got XXXX  checking Bonus offer flyer by mail ( Promotion Code XXXX ), and I walked to the Citibank , N.A . XXXX XXXX and asked if I am qualified for this bonus offer. XXXX personal XXXX XXXX XXXX helped me and checked my situation. At that time, I told him I have a checking account with Citibank. He did research and told me that I am qualified for this bonus offer and helped me to open a saving account. And he told me that I have to make a deposit of {$75000.00} to earn the {$1000.00} bonus by XX/XX/2022. I also asked him if I can make the deposit on XX/XX/2022. He was very positive in confirming that is not a problem. For the checking bonus offer, Citibank required me to keep my money in my checking account for 60 days. After 3 months, I still didnt get my bonus, so I went back to XXXX XXXX XXXX He told me not to worry and that he will investigate my case. I went to his branch every weekend and asked the result for three weeks. After more than one month, I still didnt get any results. So he forwarded my issue to his XXXX XXXX XXXX XXXX. XXXX helped me conduct another investigation. After about two weeks, she told me that I am not qualified for the bonus because I didnt make the deposit within 20 days after I opened my account. I told her that is not true, because XXXX told me I can make the deposit on XX/XX/2022. So she forwarded my issue to her XXXX, XXXX XXXX. After one week, XXXX called me to tell me that I am not qualified for the bonus offer because I opened a checking account with Citibank within 180 days of opening my savings account. This means that XXXX employee XXXX XXXX provided me with incorrect information when he said I qualified for the bonus.
Product: Credit card or prepaid card

Payment are due at the end of the month. I tried to change the payment due date to the beginning of the month I get paid. Which I did. But then they took the whole balance from my account with out my permission making my bank account in the negative. They fix the issue but added that amount to my balance making my XXXX credit card balance now XXXX credit card balance. So I removed my bank account information. I now pay thru my bank. A check was sent out on the XXXX of this month XXXX it was received by the XXXX of the month instead of the end of the month. I was charged interest plus late fees because the payment came early. So now am late and over my balance.
Product: Credit card or prepaid card

I told card.com about an amount of XXXX took out of my account and they cancelled my card with out asking me. Then there is XXXX on my card that they cancelled and ive tried ordering me a new card but because I don't have an id that isn't valid to send them proof of an address or a piece of mail that is from the government or somewhere they wont let me reorder anew card or get a refund check cause I dont have anything to show them proof of address cause im homeless and I live in a tent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charged-off XXXX BANK account on my credit report. XXXX and XXXX removed this false account for inaccuracies. What exactly is being verified and what is accurate on this account? XXXX BANK has no signature of mines and claim that I applied for this card online. They sent no proof. The sent inaccurate transaction statements that I have no knowledge of. 

I AM NOT A CREDIT REPAIR COMPANY PLEASE DELETE THIS ACCOUNT
Product: Debt collection

In XXXX 2015, I looked into securing an apartment for my daughter who had just XXXX from University XXXX XXXX, TX and had accepted employment with a XXXX company. We toured the " District at XXXX '' and decided that my daughter would like to live in this apartment complex. I then proceeded to write XXXX checks ( {$200.00} and {$170.00} ) to complete the application/administration and background check process. 
Several days later the district informed my daughter that the checks I wrote were returned as NSF checks. I immediately contacted my credit union and they confirmed that there were sufficient funds in my account to cover these amounts and that there was no shortage of funds in my account that would have triggered this issue. 

I then called the leasing office and tried to explain this matter to the agent. Since the leasing agent could not comprehend this issue I asked to speak to the business/accounting office. An employee in the business office spoke to me briefly and was extremely uncooperative towards me even after I offered to send a copy of my bank statement that would have clearly shown that there were adequate funds in the account. 
In the next 2 weeks I tried to contact the business office only to be told that they would not take my calls. The issue became compounded since I live in XXXX and could not drive down to the Apartment complex ( in XXXX ) without advance planning and inconvenience to my schedule. Since my daughter had to report to her new job on XXXX XXXX, we had to search elsewhere to secure a place for her to live. 
On XXXX XXXX, a debt collector ( from National Credit Systems ) named XXXX XXXX called my daughter and threatened and intimidated her, demanding that she pay {$470.00} immediately. My daughter was extremely traumatized by XXXX XXXX 's telephone call. I later called the collection company only to be bullied by XXXX XXXX repeatedly. I then called the " District at XXXX '' but they again refused to speak to me. I then sent them an email asking for an explanation. 
I received a reply from the manager - XXXX XXXX with an attachment that shows that they attempted to collect on the XXXX checks I had written, but the way in which they presented it to my credit union was incorrect. In fact the account number was correct but the account holder 's name they used was my daughter 's name and not mine. I immediately emailed the manager and pointed out the error. She then replied and stated in her email that she would waive some of the charges but I would have to pay {$170.00} in the form of a money order and once they received these funds they would contact the collection agency and instruct them to stop harassing my daughter. In order for my daughter to have peace of mind we decided to pay the {$170.00} immediately. 

I have the email trail with file attachments from the " District '' that clearly shows that they made an error but they continue to try to extract money from unsuspecting customers. 

I can be reached at XXXX XXXX XXXX if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

lost my job due to iilness was not able to keep up with payments