23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My XXXX XXXX XXXX was declared totaled by XXXX XXXX insurance on XX/XX/XXXX. 
It took Until the end of XX/XX/XXXX for flagship credit acceptance to post the third attempt from XXXX for the pay off check. XXXX had sent my refund for an extended warranty to Flagship for XXXX the middle of XXXX. There was no problem with Flagship receiving or posting that payment. Now that my loan is paid in full, I am unable to reach anyone to speak to at Flagship Credit Acceptance and they have {$2600.00} from XXXX to for my extended warranty and they have an overage from my payoff of {$460.00}. So over {$3000.00} they are holding. I can not reach anyone to learn when I will receive the refunds. I am unable to buy a car until I receive this money plus both payments should be sent yo regardless since it is my money. Previously when I have tried to email flagship, they do not read the email Flagship I get a return email a month later asking the questions that are clearly answered in the original email. Also, Flagship does not care about their customers. Once you have the loan paid off, you are unable to speak to anyone or get through the automated phone system. My account number has changed since the loan has been paid off. And now I have no way to get past the phone system period
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a collection account that appears on my XXXX credit report but does not appear on my other credit reports ( e.g., XXXX or TransUnion ) XXXX I believe that this entry is either inaccurate, incomplete, or misreported, and I respectfully request that it be investigated and removed if it can not be properly verified. Details of the disputed account : Creditor/Collection Agency : XXXX  Account Number : # XXXX Reported Balance : {$1600.00} Date of Collection : 2018 This account does not appear on my credit reports with any other credit bureaus. Given that the other bureaus do not list this account, I believe there may be an error or inconsistency with the reporting of this account to XXXX. Relevant consumer laws : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. You are required by law to investigate and resolve any such disputes within 30 days. Additionally, according to Section 1681i of the FCRA, if you can not validate or verify the accuracy of this account after conducting your investigation, you are required to remove the entry from my credit report. Request for Action : I respectfully request the following : 1. A thorough investigation of this collection account. 2. Verification of the accuracy of this account. 3. If you can not verify the account, I request that this collection be removed from my XXXX credit report. Please provide me with a written response detailing the outcome of your investigation. I also request that you send me an updated copy of my XXXX credit report reflecting any corrections made. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX investigation period mandated by the FCRA.
Product: Debt collection

This account is result from Identity Theft! I did not open up this account. I sent this company my FTC report letting them know this is a fraudulent account along with the address attached to it which is on the the FTC report.
Product: Debt collection

Retail Merchant association claims I owe them two separate amounts of XXXX and XXXX.I have sent certified letters requesting this creditor to validate debt. I have asked for billing and documentation with my signature and any all proof that this debt is owed to them. They have failed to do so and will not remove the debt from my credit report. Retail Merchant Association is failing to cooperate with me to validate this debt. Furthermore, this item is being reported as medical collection debt which is a HIPPA violation.
Product: Credit card or prepaid card

I am currently travelling abroad in XXXXXXXX XXXX XXXXXXXX, XXXX. On the evening of XX/XX/XXXX, around XXXX, I was approached by XXXX men. The men wanted to sell me XXXX, I adamantly refused, however, these men held me hostage and forced me to pay using my Capital One credit card. 

I immediately filed a fraud report to Capital One that night on XX/XX/XXXX, however, they have denied my fraud claim due to the fact that I was still in possession of the card, ignoring the fact that I was held hostage by these criminals and forced into the situation. 

A police report was filed on XX/XX/XXXX and this was also provided to Capital One.
Product: Student loan

Unknown date Missouri Higher Education Loan I had no knowledge of this loan. I never attended Missouri Higher Education. I am disable and suffered from XXXX XXXX XXXX
Product: Debt collection

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental XXXX damage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries listed on my credit report that I believe were unauthorized. Below are the details of the disputed inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize these entities to access my credit report, nor was I notified or informed of these inquiries as required under the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 

I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Additionally, I have included a copy of my identification and proof of address to assist with your investigation. 

Please provide a written confirmation of the results of your investigation and any actions taken regarding these inquiries. I appreciate your prompt attention to this matter and expect a resolution within the timeframe specified by the FCRA. 

Thank you for your assistance. 

XXXX
Product: Checking or savings account

Hello CFPB officer, This is the follow-up complaint on the case XXXX. 

After I submitted the case XXXX to you on XXXX XXXX, Citibank did send me an email informing that I am receiving my {$400.00} promotion bonus to my Citibank account. This email was sent to me in the afternoon XXXX XXXX. However, I requested to close both of my Citibank accounts in the morning the same day. I have tried to immediately contact the bank explaining why I decided to close the accounts and would want to receive the {$400.00} by check. I have called them several times with no answers, left a voicemail, and sent them emails. No one has called me back. All I have received was genetic emails. As the result, AGAIN, I am filing this complaint with CFPB, and requesting that Citibank sends me my {$400.00} bonus as promised via check as soon as possible and to close this case. 
I have never had such a difficult time dealing with such big bank like I have been dealing with Citibank. I am terrified by their incompetent representatives, and by all the lies that they have fed me with to lure me and customers like me into banking with them to take advantages of our money for their own business.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and seek resolution for inaccuracies on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to date, I have not received a response. The following are the details of the inaccurate information and the required corrections : XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I disagree with the reported balance of {$5200.00}, as I recall the amount being lower. I kindly request that TransUnion reviews and corrects this discrepancy. Additionally, I request the removal of the XXXX XXXX amount, as this account is closed and charged-off. To prevent adverse effects on my credit score, I urge you to mark this account as disputed. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$120.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$58.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2600.00} Issue : This account is not mine. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXX XXXX XXXX. I submitted my dispute via XXXX XXXX and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission. 
A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of trafficking and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX 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 contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.
Product: Mortgage

I need some help on getting the harp program before it expires. Wells Fargo only wants money no help. They call when I am sleeping and when I try to call back all I get is a voicemail for the last 3 yrs I try to get them to call back and let me know when XXXX call. No call backs. They said my payment was based on what we made that was including my XXXX got out of 401 k to pay doctor bill and survive. Now things have slowed down again and I trying to catch it before I get behind again.
Product: Student loan

I been trying to waive XXXX of my loans due to school closure in 2014. All the people at Navient just keep giving me the run around. They tell me I need this and that and once I provide the information. They all of a sudden say I need something else. I provide that information again and once again am told that I need something else. Are you kidding me? They put you through a loop so you can just give up. I am tried of their games. Why ca n't they do their jobs and get this taken care of. Waive this loans were something so simple and yet turned out to be something that is taking longer than 3 years to do.. I am now still waiting on them to submit me a letter so I may take it to another school to confirm that my credits do n't transfer. This is so unprofessional how they are handling my loans. The dean over at XXXX of the schools never heard of the lender requesting a letter stating that my credit do n't transfer. I this this is XXXX. it is just another loop to keep me hanging and not processing my request to waive XXXX loans due to closure of the school.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Equifax numerous times with no resolve. These accounts incorrectly show as deferred. These accounts, i am no longer liable for due to debt forgiveness. These accounts should be reflected as XXXX balance, XXXX owed, and not deferred. 
US. Dept of Education Acct # XXXX {$33.00}, XXXX US. Dept of Education Acct # XXXX {$13.00}, XXXX US. Dept of Education Acct # XXXX {$45.00}, XXXX
Product: Debt collection

On XX/XX/2020 I sent a letter requesting debt validation from National Credit Adjusters ( listed as NCA on credit reports ). In the letter I informed them of my concerns from a negative entry they place on my XXXX credit report dated XX/XX/2020 and on my XXXX credit report dated XX/XX/2020. 

NCA did not provide me with written notice they would be adding any negative items to my credit reports within 5 days of entry, nor did NCA provide me with any verification of the alleged debt. 

I informed NCA of the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my signature on it ) they have on file of the account in question. 

I informed them they have failed to positively verify the account and that it has hurt my ability to obtain credit and continues to negatively harm my credit score. I informed NCA Under the FCRA, unverified accounts must be removed and if since they were unable to provide me a copy of verifiable proof, they must remove the negative account in question. 

I requested that NCA removed the negative item from all XXXX credit bureaus within 15 days of the letter or I will proceed to file a complaint with the Federal Trade Commission and the Wisconsin Attorney Generals office. 

On XX/XX/2020 I was notified from XXXX that NCA did not remove the account, but instead listed it as a collections account.
Product: Checking or savings account

On XXXX XXXX I mailed a check for XXXX to pay my property tax. The check was stolen from the post office box and it was washed and cashed the same day. 
I did not know the check was stolen until XX/XX/year> when I received a letter saying my taxes were delinquent. My bank statement noted the check was cashed and I believed the tax was paid. When I saw a copy of the check I released someone forged my signature. The bank refused to reimburse me because it was over 30 days. 
They never should have cashed the bogus check in the first place!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$5200.00} ( XXXX XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX Balance : $ XXXX
Product: Credit reporting or other personal consumer reports

I have received my credit report from XXXX I have contacted Comenity bank/Victoria numerous times and even disputed it with the Credit Bureau . I am requesting a Goodwill Adjustment to remove the late payments. 
I know this request is unusual, but it is ruining my good credit standing, and I have never received proof of accuracy after any failed dispute.
Product: Money transfer, virtual currency, or money service

I sent someone XXXX dollars with XXXX XXXX on XX/XX/year> they accepted it no problem then they sent me XXXX dollars back right away I tried to accept it and it told me to verify my account. I did all the steps correct and they said my account is restricted. I called XXXX XXXX support and they looked at my account and said it was permanently restricted because of a business decision. I asked if there was anything else I could do to get it unrestricted and they said no its a permanent restriction but I can still use the balance I have already in my wallet I just cant send and receive money.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

They was suppose to send me a new card and it never came and they wo n't re activate my old. My car insurance will cancel tomorrow my rent late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account number XXXX Account number XXXX Account number XXXX account number - XXXX Has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2, also states a consumer Reporting agency Can not Furnish your account without my written instructions, So the credit bureau stated that my accounts was properly investigated but how is that possible when open dates are inaccurate, the last dates is inaccurate, the date report is inaccurate, payment history of account info is inaccurate, current year dates are listed on closed accounts recurring debt thats inaccurate, paid and settled accounts are still reporting as current thats inaccurate has not shown verification of debt, public records nor written agreement of any debt as requested in the past or current has not been sent to me as requested by the bureau these are grounds for removal - I send letters and submitted proof by certified mail, and hold copies on what has been send to them to the credit bureau on creditors disclosing & not addressing creditors that has been paid through thirds parties that continue to report accounts inaccurate public records verification has never been verified upon request and inaccurate reporting from all bureau, XXXX, XXXX, & Equifax wasnt properly investigated on there behalf Equifax resources reporting through XXXXXXXX XXXX  which I have submitted paper work by XXXX XXXX stating they have no information in they database of me, so how is Equifax reporting inaccurate or accounts saying its Verify by XXXX XXXX XXXX which the bureau According to 15 usc 1681 I have showed you actual damage Sustained by the consumer as a result of the failure advantage is not less than XXXX dollars and not more than XXXX dollars per violation