23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

When I originally opened my card there was a problem reconciling the balance vs what I actually charged and paid. I called in to have it resolved and it was fixed however, they were unable to tell me why there was a difference ( in their favor ) in what was actually on my statement, what I charged/returned and what the balance actually was. Fast forward to today, I have been attempting to order items since XX/XX/XXXX. The first order was cancelled, I called to find out why, I was told it was cancelled due to an error. I resubmitted the order on XX/XX/XXXX, it was cancelled again. Still without reason. Now I notice that my balance isn't adding up. I asked for a review, no one can tell me how to get that done. I was given a {$50.00} gift card for my trouble, however my account is not corrected. On XX/XX/XXXX my 3rd order of the same product was AGAIN mysteriously cancelled. I was on the phone and emailing for hours. No reason. I again asked for my account to be fully reviewed. I was told that the transaction did not go through on my account so my balance was correct. This is absolutely wrong. My balance has shown different amounts every time I've logged in yet there are no actual transactions on my account. Today was the final straw. I asked specifically for an investigation and executive review and was told that they were unable to help and I needed to again call the credit department. I advised that I am not making another call. I've spent endless hours on the phone with XXXX 's no one takes responsibility and sees an issue through to correction. Since I had an issue with the very first transaction, I asked for a full accounting and review of my account debits and credits since account opening. I believe XXXX 's is incorrectly accounting charges and returns. The discrepancy is very slight and not obvious nonetheless, it is an amount of money that is not rightfully XXXX 's. Any transactions made to an account must be shown on the transaction history and statement. This is consistently not the case with XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I ended up having an oversight on my due date for my citi card as I thought the payment was already scheduled. when I logged in to ctii credit card online portal two days after ( XX/XX/XXXX ) the fact of the payment due date ( XX/XX/XXXX ) I noticed that no payment was posted. I reviewed the history and immediately scheduled payment for that day ( XX/XX/XXXX ). The system had not assessed any late fees and once the payment was scheduled the system credited my balance immediately. I logged in today ( XX/XX/XXXX ) to see some other details and long and behold citi had assessed me a late fee the same day I posted payment ( XX/XX/XXXX ). Usually all my credit cards including the others I have with citi will assessed a late fee on late payments the following date after the missed due date. Citi did not assess the late fee only after I myself reminded their system that I was late by scheduling payment through their portal. In other words if I would have made payment using a third party the system would have not triggered to assess late fee two days after the fact of payment being late. i contacted XXXX from citi chat system and she kind of understood. She explained that she tried submitting a waiver and that Citi denied it. I told her it was not correct because even after i tried to correct the issue I still get penalized by citi, citi dropped the ball the day after the missed due date, now they 're trying to penalize me bc I tried correcting my oversight.
Product: Credit card or prepaid card

Received credit alert on XX/XX/18 stating a Citibank Best Buy credit card application was tried. Application was denied due to my statement already showing Im a victim of identity issues and to call me to verify account opening. This was a hard pull to my credit but cant get to anyone to have this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

Please see the response from the collection company and remove both accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX 

RE CFPB COMPLAINT ID XXXX XXXX, XXXX XXXX Thank XXXX for your inquiry and the opportunity to respond to any issue a consumer may have with XXXX XXXX XXXX. From our investigation on the CFPB complaint logged, the facts we currently understand are : We identified two accounts were assigned to our office by our client one on XX/XX/XXXX, and another one on XX/XX/XXXX, under the name of XXXX, XXXX XXXX. In response to the dispute received through our credit reporting system we mailed the itemized statement on XX/XX/XXXX. Following the CFPB complaint, we have submitted the accounts for credit deletion and the modification will reflect in subsequent reporting cycle. Accounts have been closed and returned to our client. If you require any further assistance or have additional questions, please do not hesitate to contact us directly at XXXX. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously requested investigation and re-investigation This account was charged off on the following date ( XXXX, 2022 ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX
Product: Consumer Loan

I had an auto loan with Wells Fargo. I paid the loan in full over 6 months ago. Wells fargo has failed to provide me with the pink slip title to the vehicle, even though I have made several attempts to follow up. Shortly after I paid off the vehicle I moved. At the time I updated wells with my current address. When I called to follow up, they said it was sent to my old address. I asked them why they did n't update the address and they could n't really say, but they promised to send it again. We made sure we were on the same page about the address. A couple of months pass and I get nothing. I call back again, and again they say they sent it to my address on file, which is my old address. When I complained bitterly about this they changed their story and said they sent it to my new address. I get mail here all the time, they never sent it or I would have gotten it. They refused to let me speak with a supervisor or manager. They are clearly having a lot of problems with their systems and procedures. That said, 6 months is more than enough time, and I have followed up with them several times. They are legally obligated to provide me with the title to my vehicle and I expect them to fulfill that obligation. I can not register my vehicle after moving to AZ without the title and I am now driving an unregistered vehicle thanks to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX  XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX  XXXX # XXXX {$440.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Numbers : BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF  # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX XXXX # XXXX {$440.00} XXXX XXXX # XXXX {$23000.00} Inquiries : XXXX/XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX Bank : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My interest rate jumped on two of my credit cards, the only two I have with Chase bank. My payment doubled overnight. I've been trying to make the payments, but it's hard because I don't work overtime any longer. I am recovering from XXXX. I told Chase this on 3 occasions and asked for a temporary interest reduction to allow me to catch up. They flatly refused stating they would close the account and bring the interest to zero -- but they know and I know that would mess up my credit to debt ration even further. I am asking for advocacy and intervention on this matter. I am a citizen of the United States. I am XXXX years of age and a single mom. My father is a XXXX XXXX veteran whom served a tour with the XXXX XXXX. I have no criminal or motor vehicle record of any kind. Despite being a good debtor this bank has decided to act against me, even though I have a medical hardship.
Product: Credit reporting

I have never been or never will be XXXX XXXX, I have written to the agencies before to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, because of the XXXX breach, I tried printing out all my free credit reports. It took me six hours of errors messages. I could not get my Experian report online. I got a message saying : We 're sorry. 
A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

There is absolutely no reason to not be able to obtain this online. I have tried every day, and I still get the same message. 

Give the crisis with the XXXX security breach, people should have immediate access to their free reports.
Product: Debt collection

On XX/XX/2024, I discovered through my credit report from XXXX that LVNV FUNDING LLC has placed my account into collections. I was not previously notified of any outstanding balance nor was there any communication from LVNV FUNDING LLC regarding a debt or payment due that would justify this collection action. 

Actions Taken by Me : Upon discovering the collection entry on my credit report, I immediately sought to understand the basis of this claim. I have not received any billing statements or correspondence from LVNV FUNDING LLC prior to this incident that would indicate my account was at risk of being sent to collections. 

Requested Action : I request a detailed statement of the account showing the origin of the debt, any charges applied, and any payments made or missed. Additionally, I seek clarification on why there was no attempt made to contact me before reporting the account to credit bureaus. If this debt is found to be in error, I request immediate removal of the collections entry from my credit report and a formal letter acknowledging the mistake. 

Further Steps : I am prepared to escalate this issue through formal disputes with credit bureaus and seek legal counsel if the matter is not resolved promptly and transparently.
Product: Credit reporting or other personal consumer reports

Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount : {$1800.00} Actions : I was checking my credit report thru transunion and XXXX last week of XXXX and found out this student loan. I immediately call XXXX that was showing in credit report and belong to US Dept of Education. I told them that i don't have any student loan or pending student loan application. They told me it might be typo error and I told them that address phone no. in report belong someone else from California and we live in Texas since XXXX. I told XXXX XXXX XXXX that address, name and phone used to create the account is not accurate and this is fraud.Also, I didn't receive any mail notification and seems like this agency is doing phishing activity to get firsthand information then update the accounts.
Product: Debt collection

On XX/XX/XXXX I had a XXXX performed at XXXX XXXX Hospital. In late XX/XX/XXXX I was contacted by phone requesting payment in the amount of {$3200.00}. I had never received a bill or statement. At that time I was told there had been issues with statements not getting mailed out and that the representative would request another XXXX. Still no statement showed up. I finally received a statement dated XX/XX/XXXX for {$3.00} and paid it in full. I have received nothing since then and assumed my obligations fulfilled. On XX/XX/XXXX I was contacted by a collection company by the name of CACI to collect a balance on my account of {$530.00}. My account had been turned over to collections for an amount that I knew nothing about. No statement, no phone call, nothing for XXXX months since my procedure indicating a bill of {$530.00}. I feel as though my consumer rights have been violated. I was never educated in the fact that I owed any remaining money. I spoke with a representative from XXXX Hospitals today XX/XX/XXXX that again admitted that their system failed to send out statements, yet no resolution regarding the fact that my personal credit has been affected by a submission to a collection agency. I feel this is very wrong. I am an educated and healthy person and can not get anywhere with this entity. I feel strongly that someone should speak up on the behalf of the ill and under educated individuals who might also be affected in this situation. Thank you for your consideration in this matter. I would be more than happy to address any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed several inaccurate late payments reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$21000.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

calls made to me : XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> = XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XX/XX/year> - XXXX XXXX calls within XXXX days - I believe this is a violation of FDCPA
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX ) # XXXX XXXX XXXX ( Original Creditor : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2022 XXXX told me national credit account number XXXX have verified my account I asked XXXX and national credit to provide me with method of verification everyone failed to do that why would I have to wait 30 plus days for information that you claim you have already
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Contacted for refund on payments made after XX/XX/2020. Was told to wait 5 months to process, seems way too long. Want to apply for forgiveness and want refund processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6400.00} XXXX XXXX Balance : {$8000.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XXXX/XXXX/XXXX
Product: Debt collection

I received notification that Weltman, Weinberg & Reis have filed a lawsuit against me regarding an alleged debt. I have yet to receive a notification from Weltman, Weinberg & Reis about this alleged debt, and no validation of the debt. The lawsuit was filed on XX/XX/2023 and I have yet to be contacted by the debt collection company regarding the alleged debt.