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

I am writing to file a formal complaint against XXXX for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as disputed incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from XXXX regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
XXXX failure to respond within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed items on my credit report will be removed and that my personal information will be updated accurately.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Citibank Associates : I have received a letter with your investigation results and I am formally asking for an appeal because I do not agree with your findings. First, I have not been informed of the arbitration details that caused you to deny my request to refund the inappropriate charged amounts to my account. Second, I would like a clear understanding of why the details, documents and information I have provided to you is inadequate to prove that I did not receive items charged to my account and hired other vendors to complete the improvements to my home. Third, I would like to know why even though the information I sent to you was pushed back from the merchant, that you, the company that I have done business with for two decades, has not protected me with your own fraud resources.

I look forward to your responses. 
Respectfully submitted, XXXX XXXX XXXX CITIBANK CUSTOMER SERVICE XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I would like to review this account, what percentage of exaggerated interest was charged by you, 323 % more than my account, how is that possible? Of the XXXX requested, XXXX have already been paid, that is, 289.1 % more than what was owed and even so, they tell me that I still owe them {$500.00}. This has to be a mistake because if not, it is the scam of the century.
Product: Debt collection

I sent an attachment and it looks like they never opened the attachment. They claimed it was a duplicate complaint. They need to open the attached document which is a Demand for Removal of Collection Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have told Transunion that these are not my accounts. These were opened from identity theft. Please delete and block these accounts from my report because they are fraud XXXX XXXX XXXX {$470.00}, XXXX XXXX {$280.00}, and XXXX XXXX {$13000.00}. 
Thanks
Product: Debt collection

On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with GE Capital was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX GE Capital stated they longer have an account for me because the contract was canceled and charged off on XX/XX/2018 XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality
Product: Mortgage

I am on escrow on the sale of my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We can not close escrow because the lender is not sending a payoff demandI called on XXXX and requested a payoff demand over the phone as their system said that it 's faster than requesting it over website system, at that time I was told it will be ready in no more than 3 days. I called again on XXXX and was told it should be ready any moment,. Close of escrow was scheduled for XXXX, I called again around XXXX and at that time I was told that the payoff demands take 7 to 10 days. I had no record that I called it in, therefore, I went on the website and made a request again so it would be documented, I called again today, to my dismay I was told that because I re requested the payoff on XXXX I had slowed down the process. 
I do n't know what else to do to receive this payoff, I am failing to close escrow as scheduled, the buyers are losing their lock and I was told you can help. 
Please let me know what else I can do to get a resolution to this situationsincerely, XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I in fact paid on on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX - XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I have repeatedly tried to dispute an item on my credit report that is being reported by a collection agency by the name of Paragon Revenue Group..this debt does not belong to me.
Product: Debt collection

This debt collector has not been in compliance with the air debt collection practices act, fair credit reporting act, and Gramm Leach Bliley Act. I have disputed this alleged debt that was unlawfully transferred to this company 's office with out my consent resulting in aggravated identity theft. This company has not provided proof that their is any trilateral agreement in place that I consent to that gives them the authority to collect on this alleged debt. Further more this company has been harassing 's me causing financial injury to me, damaging my character by placing this alleged debt on my consumer report and causing mental damage to me the consumer in fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked 30 days late in the month of XX/XX/2018. I have asked Citibank to look into this matter 5 times in the last 4 years and each time i have been told that the dispute has been closed. My account is listed as " in dispute '' When the account is listed as this fashion it means that they are looking int it. They have a maximum of 30 days to do so by my interpretation of the fair credit reporting act. What i want is simple. I want this late payment permanantely removed from all current and future credit reports
Product: Debt collection

Midland Credit Management are trying to collect a debt of {$6100.00} that I didn't do or have acknowledgment of until it showed up on my credit report about almost a year ago and I have been trying to get it off ever since. I think I am a victim of identity theft
Product: Debt collection

Add too much interest and not the core amount and sold to 3rd party without my consent
Product: Credit reporting

Equifax has put a security alert on my credit that I did not ask for and shared this with XXXX and XXXX
Product: Debt collection

Had a Capitol One credit account that was opened in XXXX. Never sent to collections, shows charged off on my credit file in XXXX. Lawsuit filed XX/XX/XXXX, did not get any notice of the attempt to collect a charged off debt by Capitol One. The companies lawyers sued me and garnished my pay for an account that is over the collection statue in Virginia. Was not able to fight it due to the response guideline set by the court.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX has reported back to credit bureaus and collection agencies that I owe them nearly {$7000.00} in rent for an apartment that I did not sign a lease for nor did I even know exist until I received notice in the mail on as to why I couldnt get a loan to finance my vehicle. This company continues to try and pin this account onto me after plenty of tries to dispute the account. I even gave them proof that it wasnt me who opened the account, yet they continue to hound me for it. XXXX isn't making it any better by basically throwing it in my face that I have little to no chance to get approved for anything because of this fraudulent account
Product: Vehicle loan or lease

I received the final payment of {$100.00}. Which I paid. I know there might be late fees but they never showed on the statements. XXXX from HPC called and said there were late fees. I asked him to send them to me in writing so I could pay them. He said he wouldn't that he was giving them to me verbally and I should write them down. I asked him to please have XXXX call me, ( XXXX was the one who set up the end of the month payments with me ). XXXX has never called. The next statement came, Account balance {$1.00}. Car repossessed.
Product: Debt collection

I received a letter dated XX/XX/2024, from FBCS that from XXXX XXXX XXXX their company allegedly failed to protect the data of nearly XXXX XXXX customers whose information was compromised and stolen during this XXXX data breach. Financial Business and Consumer Solutions ( FBCS ) lawsuits have been filed in federal court in Pennsylvania. I have no idea what debt they are supposedly holding on me, have never received any notice of any supposed debt, have not signed any contract or agreement with said company, nor did I grant them permission to obtain and store my personal information on their systems that were breached. I am seeking to sue this company and have sent them a demand for restitution which they ignored although I warned them that failure to pay this restitution would result in me filing a lawsuit against them. I have contacted an attorney to proceed with litigation. I am also submitting all documentation of this breach and my demand for restitution to all media, consumer, and government consumer protection and fraud prevention agencies.
Product: Debt collection

I returned a voicemail and spoke with a representative who wouldn't give straight answers to clarify their remarks and comments. 

Repeatedly throughout the call the representative made comments about the debit they were collecting on as " statute of limitations expiring today, '' " file leaving the floor, '' but also " pay the debt today. '' Which further confused me, how is a debt due for collection if statute of limitations are expiring? I'd also disclosed that I'd previously had to dispute a debt with a company several years ago because there were not one but two store credit accounts open in my name, one was valid and I maintained it until paid, but the other was not?

Instead, the collector continued to repeat the same few phrases about the file leaving collections ( which is strange because then why are you calling ), statue of limitations ending and this being out of his hands, but when I asked for the collector to send information they then took offense and claimed they were confused. 

I do think the representative was trying to deceive me by speaking quickly and using legal jargon to intimidate me into agreeing to pay a debt that I've disputed. It's unfair that these people call and use these tactics without furnishing hard copy details. What I received was a demand letter for payment to them, a company I've never worked with, not information regarding a legal agreement or contract or statements of the account in question. It just doesn't make sense. 

In a world where credit is better than cash, personal data is assessed currency value, and data breaches means consumers are left easily accessible for fraud, this entire contact is untrustworthy. In this world, I could easily send a thousand people letters implying I was representing a company they owed and demanded payment or they would face legal action, someone would eventually send me payment out of fear with no question of validation. 

That's not right and it's not fair, I'm tired of individuals being taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was old and its paid off
Product: Credit reporting or other personal consumer reports

I have disputed this account with XXXX XXXX for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.
Product: Debt collection

Last year we went to XXXX to get a cell phone plan for XXXX people. We picked XXXX and went to set it up. After getting XXXX phones we were told we didn't qualify for anymore. So the worker canceled the XXXX phones I even talked to the XXXX person on the phone and asked if everything was cleared and I wouldn't be in trouble. They said no because it was done the same day we never left the store or used the phone minus the set up. I even signed the paper saying the phones were canceled and we weren't leaving with them. When I called the company to ask about the worker said " oh well you owe this and asked me numerous times how i was making payment. When I explained to him he said you owe it anyways. I don't see how they say we don't owe anything then months later they charge us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

9. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2022- I attempted to Send money to a friend ( XXXX XXXX XXXX on CashApp. I entered her phone number, but did not realize that the recipient that populated was XXXX XXXX after the ( {$50.00} ) payment was sent. I immediately reached out to CashApp Support for assistance in canceling the transaction, and after reporting this incident, I was advised to reach out directly to the recipient to obtain a refund. I made multiple requests for the refund directly with the recipient- which were denied. I was never refunded and my request for an investigation was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting XXXX as a collection and as an account that was bought by a third party. Not only is XXXX reporting the account as delinquent but also as an account that has been sold to a third party for collection. 
The information regarding the account in the report is not only incorrect but also being reported multiple times in different ways as a negative account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

XXXX. I never late on this account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. I never late on this account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This charge off account does not belong to me. I never have any financial obligation with this company XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. This collection does not belong to me XXXX Account Number : XXXX Please remove it from my credit report. 


Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO TRANSUNION THAT PER THE FAIR CREDIT REPORTING ACT, PORTFOLIO RECOVERY HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE OR A COPY OF MY SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting Portfolio Recovery delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX and Transunion directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} Acct no. XXXX
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year 2019. The thieves used my stolen information to open a credit card with XXXX XXXX XXXX. I have never had any financial relationship with XXXXXXXX XXXX  This negative information is drastically hindering my ability to obtain credit.
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 : 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 the ability with maximum accuracy. 

I contacted " Experian and XXXX " 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 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. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXDEPT OF ED, XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH 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 my 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 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. 

XXXXDEPT OF ED, XXXX XXXX XXXXXXXX AND 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