23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a tax lien with the XXXX XXXX XXXX XXXX in XXXX XXXX was paid in XXXX. The judgement was placed by XXXX. The account was paid and has a zero balance. XXXX has removed this information, but Experian will not remove it. I supplied Experian a copy of the XXXX report showing that XXXX has the lien as satisfied/released. They said they could not use this. XXXX will not supply me with any information regarding the account since it was closed. Please have this removed from my credit report. I have attached the XXXX report showing the status of the lien being satisfied.
Product: Credit reporting or other personal consumer reports

I obtain my free annual reports every year through the annualcreditreport.com. I have never been able to get my report from Experian and instead get an error every year. When I tried to log into their website to request it there, I got an error accessing the site after logging in and have been unsuccessful in requesting more information from them. I have not had this experience with XXXX or XXXX and have logged into their accounts fine to dispute small changes in the past without any errors. 

Experian says that you have to mail them your social security number with all of your personal information, which I am not comfortable doing. Not to mention it isn't free if you have to buy stamps to communicate with them to get it every year. 

I would like to report them because upon searching reddit and other sites online I see that many people are having this issue and that it seems they are purposely doing this to avoid giving an actual free report.
Product: Credit card

on XX/XX/XXXX I cancelled a subscription service related to my employment in the mortgage industry. I contact the service and asked for a refund of the unused portion. They were unable to refund however they stated in an email that they would allow a dispute of XXXX to be processed since they can not refund. 

I submitted the dispute with US Bank on our about XX/XX/XXXX, It was acknowledged by XXXX Bank on XX/XX/XXXX and a provisional credit was provided in the amount. 

on XX/XX/XXXX the credit was reversed. I contacted US Bank via telephone since that is the only option to address this issue and was advised that the credit was reversed because I did not complete the form and return it via XXXX. I asked if i could email it and was advised they do not accept emails. Very strange in this digital age but I printed out my email from XXXX XXXX the vendor that agreed to the dispute and sent that email along with the required US Bank form and mailed it in. 

I called and confirmed it was received and waited. 

I called again today XX/XX/XXXX and was told that the dispute was too old and they could not process it. 

I asked the rep why would my own bank not provide a refund when the vendor has already agreed to it. They stated that they could not due to the timeline and then the phone went dead. 

At that point I felt my only recourse was to submit a complaint. 

I am truly at a loss when my own financial institution is the hold up on a refund that has been pre approved by the vendor.
Product: Debt collection

On XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) contacted acquaintances telling them I was being audited then when I called XXXX I was threatened with police action, they told me they know where I lived and what I drive and  confirmed that with announcing my address, make, model and registration of my car. 

When I asked to speak to a manger Miss XXXX at extension XXXX yelled and hung up. When I called back to talk to a manager Mr.XXXX XXXX at XXXX also refused to give me a name, yelled and hung up. 


It is frightening these people know so much and threaten people coming to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$1200.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
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 habe 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 credit consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

The following complaint applies to my XXXX XXXX Citibank Visa card. 

XX/XX/2018 : I ( personally ) changed my Auto Pay to the minimum amount of ~ {$86.00} in CitiBanks mobile app. 

XX/XX/2018 : Citibank ignored my prior Auto Pay selection and made an unauthorized deduction from my personal checking account in the amount of ~ {$3500.00}. 

I called CitiBank, lodged a complaint and asked them to correct it. They changed my Auto Pay selection ( again ) to ~ {$86.00} and returned the funds three days later. 

XX/XX/2018 : I called Citibank to advise them that they had, once again, ignored the prior Auto Pay selection and taken another unauthorized deduction of ~ {$3500.00} from my checking account. After calling my bank to verify the funds, they removed a hold on the funds on their end and advised that they had refunded my checking account. They also said that they changed my Auto Pay selection to ~ {$86.00} ( again ). 

XX/XX/2018 ( today ) : Funds for the unauthorized deduction still havent hit my checking account. I called Citibank and they advised me that the refund had not been initiated and that I now had to wait an additional 3-5 business days while they reverse the funds. They are, in effect, holding my money hostage.

In addition to being unethical, the unauthorized removal of funds from an individuals private account is ILLEGAL. I will be in conversations with legal counsel to understand my rights and next steps.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX claims I owe {$3400.00} to Truist Bank which I believe to be Suntrust Bank, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with Suntrust closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX XXXX has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. XXXX XXXX XXXX is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX  XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.
Product: Credit card

There was a fraudulent charge on my credit card bill in XX/XX/XXXX for about {$180.00}. I found the problem and called Bank of America immediately and filed a fraud alert. They promptly canceled my credit card number and sent me a new one, and removed the charge from my account. In XX/XX/XXXX, they reinstated the charge stating that they investigated and found in their opinion that the charge was authorized. Neither I nor my wife ( the only two authorized users ) made this purchase, nor did we recieve any products from this retailer ( located in Florida, and we live in Michigan ). I contacted BoA and complained that this was not a charge I authorized and it was fraud. They said they would look into it, after I pushed them very hard. They initially told me, that they did not believe me, and tough. I asked them for the retailers contact information and they gave it to me. I called the numbers only to find that they were no longer in service. I went to the retailer 's website, but it does not exist. I called BoA again and protested that this retailer does not exist. They assured me that their fraud team was looking into it. I received a letter from BoA in XX/XX/XXXX stating that they were not going to change their position on the fraud charges, and that I had to pay them the ~ {$180.00} and my only recourse was to not pay it and send the credit agencies a letter for my soon to be poor credit report. 
I need your help to hold this bullying bank accountable to honor their contractual agreement to not hold me liable for fraudulent charges. Charges that I identified for them, but they refuse to accept as true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX  XXXX XXXX XXXX ( XXXX ) ; Account Number : XXXX. This account has been previously disputed through the CFPB portal as well as XXXX, XXXX and XXXX for the account being inaccurately reported to the credit reporting agencies. The account was disputed on XX/XX/XXXX and XX/XX/XXXX through the CFPB portal. On XX/XX/XXXX I received a IRS Form 1099-C for an  amount of {$950.00} from the creditor ( XXXX. ) I have attached a copy of the IRS Form 1099-C. I have never entered any agreement with the creditor to cancel this debt or settle any portion or amount thereof. This is a charged off account and is bound by FCRA regulation to be removed 7 years after the first date of delinquency or any inaccuracy such as the one in this complaint and previous complaints. However, in my previous disputes I have disputed the balance on the account is incorrect and both the creditor and credit reporting agencies have failed to correct or delete the inaccurate information from my credit file. As you can see in the attached copy of my credit report, the account shows a balance of {$1200.00} but the IRS FORM 1099-C shows a balance of {$950.00}. As you can see the amounts are significantly different and this is a contradiction. Therefore a violation of the Fair Credit Reporting Act has taken place. This item is to be deleted/removed immediately from all of my credit files at all credit reporting agencies for reporting an incorrect balance. Since XXXX is reporting an amount of {$950.00} on IRS FORM 1099-C, that is the amount that should reflect all of my credit files and it is not which is a deceptive practice and resulting an inaccurate credit item.Per the FCRA, a consumer ( s )  credit file must be 100 % accurate and this credit item clearly is not. Furthermore, I received correspondence from XXXX dated XX/XX/XXXX stating that they have tried to correct/update the credit limit with the credit reporting agencies to ( {$0.00} ) and they have been unsuccessful. ( See attachment. ) XXXX and the credit reporting agencies have had plenty of time to correct the information so that a accurate credit item is shown and they still have failed to do so. Please refer to the attachments : Copy of credit report showing a {$1200.00} balance, copy of form 1099-C showing a {$950.00} balance ; copy of correspondence from XXXX dated XX/XX/XXXX admitting their failure to correct/update information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I received an updated consumer report from your agency and these accounts were verified. Im writing to request a detailed description outlining how the investigation process is conducted by your agency for the accounts listed below. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 7 ) Method of Verification Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 

XXXX XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately. 

XXXX Provide a description of the investigation procedure used to verify this account. If you cant provide a description, delete this account immediately.
Product: Debt collection

I get a Robo call from XXXX at least XXXX times every day for the past month. It concerns a supposedly debt with XXXX, but I called XXXX and that debt does not exist. If I return the call, I 'm just presented with an automatic message about where to send payment and no human ever answers. This harassment has been going on for months.
Product: Credit reporting or other personal consumer reports

Date closed is incomplete and unverifiable. Consumer reports says account was XX/XX/year>.
Product: Credit reporting

Since XXXX XXXX, 2016 when my credit score was XXXX, it has dropped to XXXX as of XXXX XXXX, 2016. Equifax has taken deleted information from my credit report and re-added it. They have also taken accounts such as XXXX XXXX and duplicated the account. Equifax is looking at other credit reports and adding the information to my report. they have also added a XXXX account more than 10 years old and re-added to my account after it was off more than 3 years. They have added accounts I have disputed using the FTC Fraud statement report and re-added. I have XXXX XXXX accounts that have been deleted twice now back on my report after I submitted the XXXX for those accounts. 
Equifax has caused me hardship due to this and I have been unable to work or find housing because of their lack of reporting correct information and casing me to dispute this information each week. 
I will be contacting the Attorney General of Texas and filing a lawsuit due to these errors on their behalf. 
Please review my XXXX XXXX, 2016 report vs XXXX XXXX, 2016 and look at the clear difference. XXXX card is fraud and is more than 7 years old. The XXXX is more than 10 years old. XXXX XXXX XXXX XXXX was also re-added and is fraud. 
Equifax needs to explain how did the obtain this information, when was it added and why was it added? 

Why do I have to continue to fight with them? I have attached all the disputes and which ones was deleted by Equifax. I have attached the company and person who used my XXXX XXXX account as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a Consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy discharged .
Product: Debt collection

The company, LEWIS MCDONNELL & ASSOCIATES, purchased deb from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is, XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) the term " BUREAU '' means the Bureau of the Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. The resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation require " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ). The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Debt collection

XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, Consumer Financial Planning Board complaints are XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report TransUnion willingly continues to participate in XXXX fraudulent scheme. 

Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX . If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. TransUnion respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

TransUnion has been repeatedly advised to request of XXXX XXXX XXXX XXXX its USPS mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : XXXX XX/XX/XXXX XXXX Subject : RE : XXXX TOL/TOE Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : RCVD TOL CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX  XXXX XXXX TransUnion please provide a copy of the XX/XX/XXXX letter and stop participating in XXXX XXXX reporting FRAUD.