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

I am writing to formally dispute certain adverse items on my credit report, which I believe are inaccurate and were made without my consent. Under the Fair Credit Reporting Act ( FCRA ) Section 1681b, a credit report can only be accessed under permissible purposes, and any inquiries that do not meet these criteria should be removed.

I did not authorize these inquiries, and they do not comply with the permissible purposes outlined in Section 1681b of the FCRA. Therefore, I request the immediate removal of ALL unauthorized hard inquiries from my credit report.

15 USC 6802 b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I WAS NEVER INFORMED OF THIS RIGHT!

I am very distressed that you have included this information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home loan, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. This error has undermined my confidence in the public. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX, I received medical services from XXXX XXXX. On XX/XX/XXXX, I paid the debt via my XXXX credit card ( see endoscopic XXXX ). 

On or around XX/XX/XXXX I was contacted from the billing office stating that they had not received payment ( although it was made via credit card on XX/XX/XXXX ). 

Since that time I have contact my credit card company ( XXXX ) and supplied XXXX XXXX with copies of the relevant statements, including authorization numbers, claim number, etc. to no avail. 

On or about XX/XX/XXXX, the bill was turned over to Fox Collections. I have spoken with XXXX Fox representatives and supplied them with the relevant information and they have chosen to contact TransUnion and issue a non payment derogatory remark on my credit report. 

Fox collections contends that the provider was not paid because there is a 'denied amount ' indication on MY XXXX statement ( XXXX XXXX ), when in fact this denial was NOT denial of the charge to the provider, but a denial of my XXXX claim which I was required to satisfy myself with XXXX. In fact, if this was a denial to the provider, they would be able to provide some documentation they were not paid or that the transaction was rejected, but the proof has never been provided, yet I have continued to provide the full transaction detail ( XXXX ) as proof the provider was paid on XX/XX/XXXX. 

As proof of payment, I have provided : The " endoscopic anesthesia.txt '' document outlining all the transaction details including the EXACT date, time and authorization number of the payment ( provided by payflex credit card company ). 

The " XXXX '' document which is MY copy of the original XXXX statement showing the XXXX transaction. 

The " Fox Collections.pdf '' document is a copy of the collections agency letter.
Product: Credit card or prepaid card

On XX/XX/2022, I logged into my account and saw that my credit card was closed. I never received communications that my credit card was in danger of being closed to inactivity. Customer support said that they sent a letter that I did not receive. I log into my account every week, they never flagged anything or sent out a notification. Why is there an account closure flag but not a danger of closing flag on the dashboard? I called to have it reopened, and they said it was a permanent close. Why dont they have a window to reopen? This is my longest standing credit card, it is going to ruin my credit score because my credit age is going to be cut in half. This is ridiculous! No notification and no way to reactivate the account within 30 days. 

I did not have a home from XXXX to XXXX because my roommate terminated the lease. I took some time in XXXX after that stressful situation, so I was not in the US. Its important that they actually attempt to communicate with you for serious issues. Sending a letter is a BS excuse to satisfy a requirement. My account should been flagged when I logged in, I should have received a push notification, and an email. There should be a grace period to reactivate. They need to fix this, those are simple features to implement.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I find it unfair that the XXXX consumer reporting bureaus are reporting an account that was once marked as 'Current ' on my XXXX credit report. However, in XXXX, they suddenly tagged it as 'CLOSED ' and XXXX ' account. 

I don't understand how they processed their investigation, leading to the sudden addition of a late payment remark on these accounts, especially when I was never late with my payments. 

Due to their improper investigation of my credit report, I demand that they must promptly remove these accounts or update them to current status. 

XXXX, Account # : XXXX XXXX Account # : XXXX I have attached all the necessary proof in this complaint. Kindly assist me in updating my credit report to reflect the current status, correcting the inaccurately reported accounts.
Product: Credit reporting or other personal consumer reports

I had an XXXX loan that was paid in full, but there were issues because I was refunded for the item I had used the XXXX  loan for. It is showing up as negatively reporting on all 3 of my credit report bureaus as 30 days late, when that was not the case.
Product: Credit reporting or other personal consumer reports

This is a formal complaint regarding inaccurate and unlawful reporting of late payments on charged-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates maximum possible accuracy in consumer credit reports. 

I. INACCURATE REPORTING Late Payments on Charged-Off Accounts : It is widely established that once an account is charged off, reporting additional late payments is not permissible. Despite this, the aforementioned creditors have continued to report late payments after charging off the accounts. This practice is both inaccurate and misleading.

Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of information included in consumer reports. 

Permissible Purpose : I do not give written consent for XXXX, Experian, or XXXX to report these accounts or my personal information further. The reporting of these accounts without my consent constitutes an additional violation of the FCRA, specifically 15 U.S.C. 1681b, which restricts the circumstances under which consumer information may be disclosed.

II. FAILURE TO RESPOND TO DISPUTES I have previously disputed these accounts, and the credit reporting agencies failed to respond within the required 30-day period as stipulated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). This non-compliance places your agencies in direct violation of the FCRA.

XXXX XXXX XXXX XXXX., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit reporting agencies are liable for failing to ensure maximum possible accuracy of consumer information. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) : Reinforces liability for inaccurate reporting under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Agencies must conduct a reasonable investigation upon receiving a dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Establishes consumers right to challenge inaccuracies in credit reports. 

XXXX v. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Agencies duty to investigate disputed items thoroughly.
Product: Debt collection

Letter was received XXXX or XXXX XXXX from ERC claiming to be for collection of an overdue balance due XXXX XXXX of {$440.00}. ERC claimed account could be settled for {$310.00}. We have never had ANY dealings what-so-ever with XXXX XXXX. We do not desire to deal directly with XXXX  or ERC if it will suggest ANY legitimacy of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

I had applied for a Citibank credit card in XXXX and I was supposed to receive the card in 7-10 business days but I did not receive the card. 
I gave a call to the customer care and informed the same. They mentioned that they gon na expedited the card by charging some amount. It should be sent in couple of days if I pay that and I said okay to that and asked them to debit the same from that card. 
Even after 7 days I did not receive the card and again I called the Customer care and informed the same. Again they mentioned that for new application they can't expedite the card and I should receive in 7-10 business days. I waited but still I did not receive after 10 days. 
When I inquired they said something is wrong and they gave me another option, like cancel the old card and issue a new card and they gon na expedite that card. Even I did not receive after 10 days. 
I called again and they said they will activate the account and send a new card in couple of days and that employee has assured me this time that there will be no mess and mistake will not be repeated and he even gave his employee id and told that I should receive the card in 2 days. 
Even after that I did not receive the card for another 7 days. Again I gave a call to so called customer service ( where they don't do any service ), She mentioned that the card was sent and need to wait for another 7-10 business days in an arrogant tone. I was asking for the solution and compensation and she rudely told wait till that date and if you dint receive then call us back. 
After that date I gave them a call again and she mentioned that you should receive by next business day and she transferred the call to his supervisor. 
He was not even giving any solutions and he was just saying the same thing repeatedly that I should wait for the card. 
I was asking for the solution and gave them couple of options as well and he told that nothing can be happened and only thing is wait for the card. 
I told him that I gon na complaint and took his details and he told that I can proceed with the same. 

Short story is, I applied for the card and waited for more than 60 days and also spent more than 7-8 hours on the calls with the customer service guys. They themselves don't have the clarity and sufficient information. Each person gives a different story when I call them each time. 
I even checked the address and everything looks right and applied the card and waiting longer and longer but did not receive the card. 

CITIBANK customer service guys don't know how to treat the customer 's and they don't know what options they can provide to customers. 
Worst service and worst experiences with Citibank. 
As a new customer, I repent for joining Citibank. 
Hope they don't repeat the same with other customers.
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX XXXX, account number XXXX, all have 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 an account without my written instructions.
Product: Credit card

I was offered a retention bonus of {$150.00} provided I spend {$1500.00} within 3 months. To my knowledge I have fulfilled the terms of the agreement on my end yet did not recieve the bonus. 
The companies conduct has been extremely disappointing, while trying to resolve this issue I have come across the following issues/complaints : XXXX. Initially at the time of first receiving the offer and at various intervals following that date, I had requested a copy of the terms of the offer, the company had promised to deliver such terms by email yet did not follow through. Recently it has been made clear to me that it is company policy to only provide the terms at the time of initial offer, and orally, they have confirmed that they do not provide written terms even upon specific request. 

XXXX. When making a recent request for clarifications regarding the non-received bonus, the company initially claimed that no bonus was offered, after persistent messaging, the company conceded that the offer existed yet claimed that the terms were not met. 

XXXX. I filed a complaint with the company and finally received a response that they will not honor the agreement, claiming that I had not fulfilled the terms. 

My complaint is that ( i ) I have never received the terms of the offer in writing though I have requested such confirmation of terms on multiple occasions, thus denying me the ability to reference them in the future as the need arose ; and ( ii ) I have completed the required spend, and I have fulfilled the terms as I have understood them and as according to my recollection have been described to me in the oral agreement at the offer date, but according to recent inquiries the company maintains a different time frame and thus maintains that the final spend was outside the time window, the company therefore refuses to honor their side of the agreement.
Product: Payday loan, title loan, or personal loan

I had an auto loan with Wells Fargo. How can I find out if I am owed money from their gap insurance settlement? 
I also had a checking account and was charged a ridiculous amount of insufficient fund fees.
Product: Credit reporting or other personal consumer reports

Wells Fargo is reporting this fraudulent information to my consumer reports. They are disregarding the law. They are not supposed to report information associated with identity theft unless I informed them to. I never authorized them to report this fraudulent information.
Product: Payday loan, title loan, or personal loan

I received a Writ of Assignment at my job regarding a payday loan for Solid Oak Finance collector is XXXX  XXXX. They claimed I took a loan out with them and did not pay. I have no knowledge of this loan. I tried to explain that my identity was stolen over 15 years ago and every now and then I still see credit cards and misc. loans appear in my credit report. I have tried fighting them off my credit for years. XXXX XXXX is claiming to have contacted me and I agreed to a 15 % withdrawal of my earning which is not true either.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX 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 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 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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/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 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: Debt collection

I saw a collection from Receivable Management on my credit report. It doesn't state who the original creditor is. I don't have any outstanding debt. 
This agency never contacted me or anything. They just put this on my credit. I disputed it with them and requested for them to remove it from my credit. They never responded. I also requested in writing for them to validate that I owe this account and the original creditor. They just ignore me, but they continue to report it on my credit Receivable Management is not licensed or bonded to collect in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & were opened without my consent or knowledge ALLY FINCL XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

CAP1/WMT XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, Experian, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of Report
Product: Mortgage

My husband was awarded 100 % VA XXXX in the state of Texas in which he is exempt 100 % from taxes. The county provided a letter stating that we are now exempt from property taxes as of XX/XX/XXXX. Our mortgage company, Fay Servicing, has stated they were not accepting the letter from the county and would only except a tax bill showing the amount owed for this year. The county has advised that the invoicing does not occur until the end of the year and provided an estimated taxes screen shot, however, Fay servicing is still not satisfied. We are currently having to pay an extra almost {$1000.00} a month in taxes that we legally do not owe and the county has provided a letter stating the fact. 

We filed a complaint and Fay Servicing lied stating the taxes currently being collected are for the XXXX  year and not the XXXX  year. This is not correct as the XXXX  year taxes have already been paid. I have provided additional documentation to this complaint showing that the XXXX taxes were already paid so there should be no reason for Fay Servicing to be collecting taxes for XXXX.
Product: Debt collection

debt was settled with original creditor for the amount of about XXXXXXXX XXXX when conserve the debt collector was attempting to collect XXXXXXXX XXXX from me. I settled the debt XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.