23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later I have not received a response. I feel like my disputes and I are being taken advantage of and ignored. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies in my Transunion Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with TransUnion. Despite my attempts to address the matter through mail communications, Transunion has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates Transunion 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX  XXXX  Account # XXXX has violated my rights & XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Td bank had taken my money that I put into the checking account in cash and said that wasnt how I put the money in and when I demanded my money it took them XXXX XXXX  to deal with and when I said as a suggestion that if I came there and took my money you would be upset when my mortgage was due and I paid late fees of XXXX and they called me and I went to there bank and the branch manager closed my account for my first amendment rights to say what I said as a suggesting not to do harm to anyone being a retired XXXX XXXX XXXX
Product: Payday loan

Submitted paperwork stating not to contact me more than twice a week ( violated ), not to contact any family, friends or references ( violated ), not to contact me at work or contact my work ( so far not violated ). When she contacted my sister, I called and she tried to lie and state that there was no cease and desist. I told her to go reread that letter. She wanted to know if I would be in that day, last Friday, and I said no my husband has not worked but a couple of days in the last couple of weeks but I would be pay something in two weeks. She hung up on me before all information was given. However, I called back and she refused to answer the phone but I left a message stating this information on a payment in two weeks and letting her know she had rudely hung up on me. She called this morning leaving a message again wanting me to pay immediately and contact her. First, I am not going to talk to this rude lady again and I already told her two weeks from last Friday. I 'm tired of her breaking the law. She calls multiple times every week. Sent paperwork by Certified mail tracking number XXXX received XXXX/XXXX/16.
Product: Debt collection

I would like for the CLLCN BUREAU OF THE HU to show proof of verification that I owe them {$1500.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now.

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a request to reinvestigate several items on my credit report. 

In response, I received a revised credit report from them, which does not correct the incorrect information for XXXX XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX. 

The specific information that is still incorrect on the report dated XX/XX/XXXX and needs to be corrected includes the following : XXXX XXXX XXXX XXXX Recent balance : {$0.00} as of XX/XX/XXXX. The current balance as of XX/XX/XXXX was {$130000.00} ( see attached statement ). 
Under Status, it states that my account was Discharged through Bankruptcy Chapter XXXX. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to XXXX XXXX XXXX XXXX will be made outside the Plan with no modification of contract terms and with liens retained. In other words, this loan was not included in my bankruptcy and the bankruptcy should not be listed under Status on this credit report. 
The Payment History ends in XX/XX/XXXX. I have paid this loan, with a couple of exceptions, on time every month since I filed for bankruptcy on XX/XX/XXXX and I am ahead of schedule in my payments ( see attached statement ). 
Under Account History, it states : Debt included in Chapter 13 Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, XXXX XXXX XXXX XXXX Under Status it states : Petition for Chapter XXXX Bankruptcy. As stated above, I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX ( see attached Notice of Bankruptcy Case Filing ). The plan was confirmed on XX/XX/XXXX ( see attached Order ). The Chapter XXXX Plan states that payments to the XXXX XXXX XXXX will be made outside the Plan with no modifications of contract terms and with liens retained. This loan was not included in my bankruptcy and mention of the bankruptcy should not be listed under Status on this credit report.

It also states under Status that this account is scheduled to continue on record until XX/XX/XXXX. I am not sure why this date is different from the removal date for XXXX XXXX XXXX XXXX, which is listed as XX/XX/XXXX, which is seven years after I filed for bankruptcy. 
Under Account History, it states : Filed Chapter XXXX Bankruptcy on XX/XX/XXXX. As mentioned above, this should not be referenced on this report, since this loan was not included in the bankruptcy, Under Payment history, the last payment is listed in XX/XX/XXXX. I have made these payments every month on time, with a couple of exceptions, since I filed for bankruptcy on XX/XX/XXXX ( see attached statement ). I made my last payment of {$400.00} on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated several times with this creditor and I have let him know on many occasions that this account is not mine, I have sent him a police report, I sent him 2 documents from the federal trade commission where these documents explain that I was a victim of theft of identity and they send me a letter saying they do not have enough evidence to substantiate that I was a victim of identity theft and this account is not mine. They allege that they have my cell phone number on the account and that is why this account belongs to me, I alleged that the phone number that appears on that account is not mine and they do not want to do anything. Apart from this they are discriminating against me because I do not speak English and a customer service employee always has to translate for me and they do not translate 100 % what I allege. This is hurting me and I need them to fairly evaluate and prove that I am not the person who opened this account.This week the Detective will be going through the dealer where this account was opened to request some document that the person used to validate his false identity such as ID or passport of the person who opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following accounts : XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These accounts were created without my knowledge. I tried to even pay on them to save my credit but was advised to stop per my lawyer. 

I couldnt save the fraud report but the reference number is XXXX Please remove the accounts.
Product: Credit card or prepaid card

I authorized my bank to send a lump sum payoff to Capital One. It was my intent to complete payoff the card. After my payoff was issued, Capital One still showed an interest charge of {$34.00}. I contacted the company to respectfully request waiving this charge since it was my error, I was not aware that I had to call in for a payoff amount. 

The company after many attempts to request waiving this small charge based on my many years of excellent payment history, they appear to be unwilling to waive this charge, even though they are fully aware of my effort to completely pay off my account. I spoke with a XXXXXXXX XXXX  XXXX - XXXX on XX/XX/2022 and she told me she had full authority to make decisions on this account. She decided not to waive this {$34.00} charge. 

Please work with Capital One on this matter to resolve it. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly a balance due of {$180.00} on the XXXX XXXX   XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Pursuant to the email correspondence ( copy attached ), the loan company will request that this loan be removed from my credit report entirely when the report of repayment has posted. This account has been paid in full and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Vehicle loan or lease

My last car got repossessed after I lost my job and now I have a outstanding balance due and a negative impact on my credit
Product: Credit card or prepaid card

I paid my balance in full and was charged interest. When I called about it I was told I would need to pay the interest even though I had already paid the balance and that I was being charged interest on that interest. With this practice I will not ever be able to pay off the account. According to XXXX at Citi this is there practice.
Product: Money transfer, virtual currency, or money service

I opened an account today on Venmo so someone could send me money. I then linked my bank account and debit card to my account so I could transfer the money. Now Venmo had frozen my account " because of suspicious activity ''. The only thing that was done on the account is I tried to transfer the money to MY bank account. They even verified the account through XXXX. How is this suspicious activity? They now tell me they have 3-5 business days to review it. It is XX/XX/XXXX. I am just trying to have XXXX. HOW CAN THEY LEGALLY DO THIS???? 
They also said if I didn't like their process I could hire an attorney and when the attorney contacted Venmo, they would handle the case on 10 business days. How do I get my money back or get access to my money?
Product: Debt collection

I spoke with a representative on XX/XX/2019abd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.
Product: Debt collection

I owed XXXX XXXXXXXX {$230.00}. 
This was referred to Diversified Adjustment Service. 
I contacted them on XX/XX/year>, and negotiated a paid settlement in the amount of {$100.00}. Reference # XXXX. 
XXXX is showing this as unpaid still. 
I have disputed this with XXXX 3 times, and have confirmed paid in full with Diversified Adj. Svc. 
Transition is showing this debt paid, but XXXX will not update their records. 
Please Help, Thanks.
Product: Debt collection

Repeated calls and harassment from callers for a debt that I do not owe.
Product: Credit card or prepaid card

The issues that I am facing have been with Amazon which has not delivered the packages yet charge my account for the purchase. I have requested assistance to get this resolved and until I called on XX/XX/XXXX I found out that the matters were not resolved in my favor. 

Amazon has been delivering or not delivering the packages yet they claim they do. What they have done is misrepresent or lie to the credit card company. The deliveries are not left or signed by anyone quite frankly it is Amazon delivery which states its done and it is not. The company operates in a manner that is not only abusive to customers they are constantly cheating consumers. 

My current issue with Amazon charging my chase card for purchases that I never received is a matter that I need assistance upon. I have been through a lot of issues and was advised if I didn't authorize the purchase then it falls under fraud. Amazon maintained my credit card Information and regardless charges for items. 

I do not recognize the charges nor did I authorize them. 

Transactions : XX/XX/XXXX Amazon XXXX XX/XX/XXXX Amazon XXXX XX/XX/XXXX XXXX. overfilled me for transaction should have been {$190.00} not the amount they posted. No receipt provided to me in person on my folio at hotel or email. Now there is a over inflated charge on my account that is posted for XXXX XXXX XXXX direct was sent back product and charged me for the items. I was overcharged for the items. The amount should have been for XXXX not the {$220.00} Chase has informed me that they have setup my responses to be sent to me electronically. I never agreed to this and have not been getting answers until I call. They now claim that the cases are closed without my rebuttal. All purchases from Amazon. They have no proof of signature and the packages were not at my home. They can not claim that if they left a package at someones door it is your responsibility. Plus they have left items from neighbors at my house. This company has no controls. At this time I have none of the items and have been fraudulently charged.
Product: Debt collection

I reached out to Glass Mountain Capital LLC XXXX XXXX XXXX XXXX, XXXX XXXX IL around the beginning of XX/XX/2022 to verify a debt and got a generic response that answered none of the questions that I requested to be answered via my conditional acceptance. The response I was given on XX/XX/2022 also has multiple FDCPA violations furnishing information on a consumer credit report without the consent of the consumer is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act the companies listed below have violated my rights. 

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 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 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$22000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CALIFORNIA ) XXXX XXXX XXXX : {$190.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/ two cards {$16000.00} {$430.00} and {$5000.00} Next morning tried to return items from previous evening after checking on company was a scam Merchant would not accept them claimed no refunds Merchant sent more items to my home across the country Disputed transaction with company then credit card company Now I pay my charges but not scam charges. Interest mounting.
Product: Debt collection

I got a call from a company called XXXX XXXX. The gentlemen on the phone stated that is was in arbitration for over {$5100.00} due to fees and that I was unwilling to pay. I told the gentlemen that all I asked for is a proof of debt to see if it was mine or my Ex. He stated that send I responded to no correspondence ( I received none ). The were going to start taking money out of my checking account and put a lein on my home. I kept on asking for proof that is all I wanted. He told me he would call US Bank Dba and I could ask the amount and if it was a joint account. That he would just put the phone on mute. I did n't think anything of this. Until I started to talk to the lady at Us Bank. I forgot the last XXXX digits of my account and the collector whispered it to me. The lady heard him and asked if there was a person on the line with us? I said yes and she said stop talking there can never be another third party on the phone with us and the know that. She said please hold. The collector came on and said he was going to hang up and call me back. He did this. He than got mad at me for telling the bank he was on the line again. Than he told me that this time to not say he was on the line. I to, d him that I did n't feel confortable calling the bank after they said nit to. After disagreeing for five minutes. He finally gave me the number to US Bank. I called the bank and spoke to a lady. I told her what was going on. She told me never to take with them in the phone because they ask for private information. She than stated that my account was closed by error and that it was purged. That it was n't sold to a third party because their was no negotiate balance. I asked her again if that was right? She started yes. I than called the collection company back like I promised. I told him what the lady said and what her name was. He said he had to verify it and that I might of misinterpretation. I told him how could you misinterpret that. He said he had to verify it. He than said he called the bank and I owe and he was going to succeed with legal proceedings. I asked him on what for a debt I do n't owe on? I told him to send me proof of debt and I would be more than happy to go to the bank. That they said I do n't owe anything and I was going to believe the bank over a guy on the phone. He said its too late for that.
Product: Student loan

After looking at my credit reports I was shocked to see late payments while my account was in forberance. My account should be assessed late payments while in forberance. 

Is shows a late payments for : 60 Date Late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX I am not sure how this happened, I believe this was in forberance
Product: Credit card

I purchased an event XXXX XXXX XXXXXXXX on XX/XX/year> for {$100.00}. I never received an receipt, a confirmation email, or any communication through XXXX. I reached out to XXXX via their help center and was instructed to reach out to the third-party event organizer. There was nothing XXXX could personally do. Even though I have bought tickets before via XXXX and received them. 

The event was hosted by a company called " XXXX, '' which is the third-party organizer. They had no email or way to contact other than a " Contact '' tab on their website. I filled out the information and sent a message of my issues, attempting to receive my ticket. I never received a response or an automated email that it was received. I attempted twice. 

This is when I escalated to the credit card company. Apple Card. They have been unhelpful, unwilling to listen, and are consistent on that I am not providing enough evidence and that their investigation claims I am at fault here. I have provided what I have. 1 ) an automated email from XXXX. 2 ) a picture of my ticket inventory. 3 ) the contact form at XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX, XXXX. XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and asked them to update my credit file there are several accounts that are well over seven years old that should have dropped off. Transunion refused to remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened fraudulently, when I found out I called XXXX XXXX right away to report that someone used my personal info to guarantee a business XXXX account. XXXX XXXX refused to take accountability for not verifying my information, even though I had put numerous fraud alerts on my personal credit and told XXXX before to verify my info before opening any account. Now my credit went down from around XXXX points to XXXX - an almost XXXX points drop for an account that was fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX  yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.