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

It is my understanding as of XXXX My issue regarding an ongoing complaint from XXXX WILL NOT be re-investigated. Per XXXX XXXX it was given to her and she is nt in the credit card department It seems this matter is not regarded as priority and it is very important to me. I have EXPLAINED THE FIRST INVESTIGATION WAS DONE BASED ON THE WRONG PREMISE It should be investigated a a fraud with prejudice. The company told me and gave me false informaiton and I confirmed by getting doctors whom is an expert recommendaion. I do not understand what the problem is and WHY I am being refused an investigation XXXX XXXX stated she will handle the account closure but the investigation was not done and do not plan to do as she does not handle things of this magnitude in her department
Product: Credit reporting or other personal consumer reports

I Have Been XXXX  in a XXXX Facility for 9 years and have had a family member commit fraud and stole my identity I have filed charges on her and I have proof stating I was not out to file any bankruptcys thats reporting on my credit please help me fix this problem and remove this information from my credit that was fraud and not me. Thanks
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX I started getting notifications of my credit being ran by various companies for a car loan I did not give permission for any of these banks or lenders to run my credit for approval. This has caused my credit score to drop below XXXX.
Product: Debt collection

After receiving a credit alert from XXXX XXXX, I noticed a collection account, from GC Service 's Limited Partnership, that was posted on my credit report. I immediately wrote them a letter disputing it. I have not received any responses from the letters I mailed GC Services Limited Partnership, but I did receive a fraudulent XXXX Statement from XXXX XXXX, who supposedly conducted the investigation, which they changed the mailing address on an account I never opened only because I opened a complaint with the Better Business Bureau. I noticed this because my name was misspelled, or missing a letter, then immediately noticed the address which is my address. I called them on the phone and this is how they knew of my mailing address and they would not provide me the address that was listed on this account they claim I owe. So I believe they took down my information and switched up what was originally on file with XXXX so they can fraudulently claim I owe them money. Why have n't I received any mail before even reporting to the credit bureaus? I have never received anything from GC Services and I had to contact them myself in order to find out what this account was about. I then contacted XXXX who clearly stated that the address GC Service Limited Partnership claims to have on the statement they mailed me is incorrect and I asked XXXX to verify this by sending me a copy of what they did have on file or what they can mail me as proof and I received a statement totally different than what GC Services Limited Partnership sent me. GC Services Limited Partnership clearly provided me a fraudulent statement from XXXX by changing the address on the statement. Please see attached documents. I had no idea that Collection Agencies would go this far as I never had to deal with any before, but lucky me I have a friend that works for a Collection Agency and guided me on how to report bad companies like GC Services Limited Partnership. I hope I do not have to file a lawsuit, but most certainly will if GC Services Limited Partnership continues to report to my credit reports as I never authorized or gave GC Services Limited Partnership any permission to be or report on my credit reports and demand they remove this immediately and remove my name from their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof from my bank showing that I was never late/delinquent on my XXXX XXXX XXXX account. I will attach my bank statement from XXXX XXXX XXXX here. I am asking for all of the late payments to be removed. Or for the entire account be removed from my credit file.
Product: Debt collection

This is so annoying & frustrating. Ive sent the bureau multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In the bureaus responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to correct some of the misleading information on my credit file. As a consumer, I am protected by law from having misinformation on my credit report. Before consulting my legal counsel on handling incorrect and unverifiable items, I request another analysis and removal of the following errors I believe still exist on my credit report. Please verify the information below and ensure it is not untimely, inaccurate, unverifiable, or incomplete. If necessary, remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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 XXXXXX/XX/XXXX. I rely on an accurate and complete credit record and request that you remove the disputed items immediately to comply with the law. If not, I will contact the Federal Trade Commission to report this issue.
Product: Debt collection

The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in XXXX. The mortgage was completely paid off in the sale however at some point XXXX XXXX noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan. I have been attempting to resolve this matter for over 2 yrs. and have constantly been given the run around, with some of the XXXX XXXX responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers may have changed after the XXXX acquisition - you ( me ) didnt send in the correct loan number - old records may have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the XXXX XXXX representative XXXX XXXX ( Executive Resolution Specialist ) referenced the WRONG loan number. When I spoke with XXXX the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from XXXX XXXX, XXXX in which XXXX referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet. 2 weeks ago I physically went into a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX ) where I spoke with XXXX XXXX and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR XXXX XXXX LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of fraud and the chase wont help me get my money back
Product: Credit card

Synchrony bank ( Care Credit Card ). I had a balance of {$3300.00} and the due date was XX/XX/year> and promotion was due on XX/XX/year>. I paid the full balance on XX/XX/year> and actually paid too much. Yet, they still charged me interest, which makes no sense. The company couldn't tell me why they charged me interest of {$30.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX accounts- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX  account is a third party collection agency. The original account is almost 25 years old ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit FICO score increased and within an hour XXXX aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just XXXX... equifax and transition too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Product: Debt collection

I went to school and took out a few loans to pay for the cost. I am now trying to work with the company to start repayment. they have given me a forbearance period. I have verified on several occacions what loans are owe and etc. This other company called account discovery systems llc keeps calling me with rude and unprofessional attitude. They tell me they will garnish my wages if I do not come up with a settle ment. I have documentation of what I owe. this company has XXXX complains on them. that 's a briefing and I will gladly give more if needed
Product: Credit reporting or other personal consumer reports

My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXXXXXX XXXX XXXX  these accounts are severely impacting my credit me for helping laying my mom to rest
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my CFPB Complaints # XXXX, XXXX, and XXXX, I realized that you have closed my complaints last XX/XX/22. I am resubmitting my complaint again today to inform you that the XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit card or prepaid card

On XX/XX/2019at XXXX XXXX XXXX., I e-mailed Citis customer service regarding their incorrect computation of interests charged on my credit card account. I asked that they provide me their own computations to arrive at the interest amount they are charging me for each statement. Citi has been computing interests incorrectly causing for them to overcharge customers accounts. 

For instance, based on the 15.24 % interest rate on my account, I should only have been billed {$99.00} interest instead of {$100.00} shown on my statement for billing periods XX/XX/19 thru XX/XX/19. On this statement, I was overcharged {$3.00}. For billing periods XX/XX/19 thru XX/XX/19, I was overcharged {$3.00}. Citi has been overcharging interests by at least {$3.00} each statement. One obvious reason I noticed that Citi intends to defraud consumers is when the interest amounts goes up  while account balances goes down. For instance, my ending balance for periods XX/XX/19thruXX/XX/XXXXXX/XX/19 was {$7800.00}, but I was charged {$96.00} of interests. However, I was charged {$100.00} of interest for billing periods XX/XX/19 through XX/XX/19 when my account balance was only {$7600.00}. I have attached a copy of an XXXX worksheet showing them how I arrived at the interest amounts I am claiming. 

On XX/XX/2019, I received a response from their customer service with a post office box address of XXXX. XXXX XXXX, XXXX XXXX, SD XXXX simply telling me that the interest charges billed on my account statements are correct without showing me their own computations. Please investigate their computation of interests as I believe there has been some kind of manipulation done on their system.
Product: Bank account or service

On Saturday XXXX XXXX, 2016, I called the toll free number to Wells Fargo to activate my new debit card. Upon entering my new card number, the next automated response I received stated that my card is now activated and ready for use. I was a bit appalled that the automated system did not further authenticate my information, which raised a concern for my privacy/security. On that same date, I sent an email to Wells Fargo customer service stating my issue. My main concern was that since no additional account information was asked to verify my identity, that basically if my card were to be lost in the mail, anyone who retrieved it would have been able to activate the card and use it. On Monday, XXXX XXXX, 2016, I received a response back from their customer support. The representative explained the process and I felt good about it. However in the response, the representative provided to me a phone number that " was on my profile ''. To my shock, the number that was provided to me was NOT my phone number. Wells Fargo had provided to me another customers phone number. This has further raised my concern for my privacy/security. How do I know if that same representative provided MY information to another customer? This is a very concerning issue to me. The additional responses I had received from Wells Fargo customer support have not been satisfactory at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. After discovering it on a credit report I followed the guidance found on Identitytheft.gov and submitted a packet via certified mail containing a notarized Identity theft affidavit as well as a police report and the required documents for Identity verification. Transunion sent a letter back declining to block the information from my report which is a clear violation of Section 605B of the FCRA.
Product: Checking or savings account

On XX/XX/XXXX I walked into Chase bank to make a money transfer to another Chase account, I handed the teller an account number to do the transfer from my account to what I thought at the time was my XXXX account. Teller did the transfer did not confirm the name, just provided me with a receipt I went home had my XXXX  check his account and the funds were not in his account, i found it strange, but told him to wait maybe it was a hold of some kind since the amount transferred was for {$6000.00}. The following day the funds were till no in his account and I walked into the branch, that is when I realized the funds had been transferred to another account that was not my XXXX. I talked to the branch XXXX, I 've called relentless to the XXXX number provided and all they can tell me is there is nothing i can do to get my funds back. Its been over XXXX years and I still have not been able to be directed to the correct person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, North Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts below have violated my rights. 
XXXX account XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX DISCOVERBANK account # XXXXXXXX XXXX XXXX account # 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. I did not give written consent for theses accounts to be on my report THE ABOVE ACCOUNTS HAVE violated my rights. 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by including transactions and experiences by including late payment and utilization. 
Because of the violation i would like the about accounts in violation of the fcra to be deleted from my report. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested the credit bureau to investigate the inaccuracies in this account, XXXX XXXX XXXX to ensure accuracy. On XXXX, the credit bureau sent their investigation results stating the account was verified and updated.

This can't be correct as the LAST PAYMENT MADE and the BALANCE dates remain incorrect. Under The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, you must provide the names and business addresses of everyone with whom you verified the information. Please send me an updated copy of my credit report after your re-investigation.