23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Email sent to XXXX XXXX XXXX XXXX : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( XXXX XXXX XXXX XXXX ) regarding a debt from Check n Go // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with Check N Go. Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for Check N Go who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The Check N Go representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that Check N Go alleges is my debt, however, I want information to prove this is my debt. As I explained to both Check N Go and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor XXXX XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX, my daughter did a wire transfer from XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX in the amount of XXXX XXXX XXXX to my checking account. The amount was debited by XXXX from her account, and a receipt of the transaction is held by XXXX ( we have a copy ) ; however, the money was never received. We both have initiated multiple attempts to resolve the problem without success on her end with XXXX, and with Wells Fargo international representatives and Bank Manager. Wells Fargo 's latest letter to XXXX states that the money was deposited. The fact that it was not have been verified several times by the manager of Wells Fargo. Apparently, there was a digit missing for the account number, which, according to the XXXX manager, should have negated the transfer in the first place. It has been 5 months of back and forth, with my daughter having lost XXXX XXXX. This is unacceptable, and needs to be resolved. Thank you.
Product: Vehicle loan or lease

I was provided a pay off amount on XXXX from XXXX XXXX by email. I made the payments and monitored the account via credit reporting because after this I was told The information could not be provided by email. It's always a hassle with this office. Based on information provided by XXXX credit reporting, I had balance of XXXX. I paid this amount off in 2 payments. I received a notice on my door stating I owed. I on XX/XX/XXXX. I emailed the office. On XX/XX/XXXX, that Monday, I received an email saying my account was not paid off. I spoke with XXXX XXXX on XXXX XXXX, who told me by account was not paid off. He then told me I owed another 1500+ plus dollars. I then asked for the payment history. He put me on hold and did not return to the phone. I called back and was put on hold again when I asked to speak with him. He never returned to the phone. I then asked for the payment history to be sent again. After not receiving, on XXXX I requested it again or to send me my titled. It was finally mailed out and it is now showing I owe XXXX not 1500.00+. I then informed them this could not be so and they had even reported to the credit bureaus I owed nothing and to send me my title because I did not owe anything else or it would have been included in the balance. This company also in XX/XX/XXXX repossessed my car with only one payment outstanding saying it was because I did not call the office and I had to have a cell phone number to keep in contact. At this time they told me that they had to put a tracker on the car and I had to pay for it as well or I would not get my car back. I complied n order not to be responsible for more storage. I needed the car and could not afford this absorbency.
Product: Debt collection

The REpresentative I spoke to agreed to remoced debt again. HAS BEEN REMOVED, and RE -ADDED
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issue I have been experiencing with attempts to correct late open accounts and remove the associated losses from my records. I have made several attempts to rectify this matter, but unfortunately, the resolution process has been ineffective. 

The accounts in question were opened and despite my best efforts to address the lateness and associated losses promptly, I have encountered multiple obstacles in achieving a satisfactory resolution. This situation has not only caused inconvenience but has also adversely impacted my financial standing. 

I would like to outline the chronology of my attempts to rectify the situation : Despite these efforts, the issue remains unresolved, and the associated losses continue to impact my financial stability. I believe in fair and transparent business practices, and I am hopeful that your company shares this commitment. 

I kindly request your immediate attention to this matter and a comprehensive review of the circumstances surrounding the late open accounts and associated losses. I expect a timely and satisfactory resolution to be implemented to rectify the inaccuracies in my records. 

If this matter is not addressed promptly, I may have no choice but to escalate the complaint to relevant regulatory bodies and seek legal advice to protect my rights as a consumer. I am asking for your assisstance to correct these accounts in my credit file : XXXX 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: Money transfer, virtual currency, or money service

Scam occurred on XX/XX/XXXX XXXX minor daughter was scammed via phone by someone posing as her banking institution ( NFCU ). Immediately discovering she was a victim we reached out to both institutions that were involved : Navy Federal Credit Union and XXXX. A provisional credit was given while an investigation was being conducted by NFCU. We received a letter from NFCU ( XX/XX/year> ) requesting additional information and/or funds will be revoked. We immediately submitted an appeal detailing multiple requests, which included us to be provided with detailed information of what was used to arrive at the conclusion. The information we provided was photos, phone numbers, and written statements of events via electronic communication. NFCU website suggests we contact immediately... we did that. They have not explained nor provided us with any information to show what was used. XXXX XXXX refused to tell us who the account holder is. XXXX was not communicated too as well as there was no mention of this information. As it stands today, I was informed by a floor supervisor w/NFCU that there is no timeframe as to the length of time it takes for them to process an appeal. And I should resend my request again. It's my understanding that NFCU will not reach out to XXXX XXXX per the supervisor. Even though we showed NFCU our attempts to rectify the situation. The amount in reference is {$1500.00}. XXXX XXXX was provided with detailed information immediately and failed to take necessary measures to properly investigate fraud claim to mitigate or assist my daughter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Best Buy to purchase a laptop and the lady that was helping me offered me 10 % off if I sign up for their loyalty program. I asked her if it was a credit card and she said no. I agreed to join their loyalty program with the understanding it was not a credit card. Halfway through the sign up process it asked me for my social security and I asked her if they were running a credit check and she said no it was just for companys information. It wasnt until later on when I realized that I did not get the discount. 
A couple weeks later I got a letter from the mail letting me know I was denied for a credit card from Best Buy. 
They lied to me and ran my credit report without my consent.
Product: Debt collection

I, XXXX XXXX, owned a Best Buy/Citi credit card in XXXX. This credit card was used for small $ XXXX {$200.00} purchases, mostly on XXXXXXXX XXXX or add-ons throughout the year of XXXX. 

I, XXXX XXXX, stopped using this Best Buy-Citi credit card in late XXXX, and made a {$500.00} online payment on XX/XX/XXXX, which was the final payment made for charges that I personally made on the credit card. 

I, XXXX XXXX, received a letter from Citi on XX/XX/XXXX that claimed my loan with a balance of {$4900.00} had been sold to XXXX XXXX XXXX XXXX XXXX. 

Between the dates of XX/XX/XXXX and XX/XX/XXXX, I, XXXX XXXX, received XXXX billing statements or fraud alerts from Best Buy/Citi about purchases made after I made the {$500.00} payment. 

I, XXXX XXXX, did not make the charges on this credit card, and I began attempting to figure out where the charges came from and how this happened without my knowledge. 

I, XXXX XXXX, along with my wife, XXXX XXXX, contacted XXXX XXXX XXXX XXXX XXXX shortly after receiving the letter on XX/XX/XXXX, and asked for a list of charges over the phone so that we could contact Best Buy/Citi and determine what the charges were and where they originated from. XXXX XXXX XXXX XXXX XXXX refused to give a list of charges in any shape or form, other than that XXXX of them was a XXXX purchase. 

I, XXXX XXXX, did not receive any notices or letter from XXXX XXXX XXXX XXXX XXXX after this phone call until XX/XX/XXXX, when I was served with a Summons for a lawsuit at my place of residence. 

After receiving the Summons, I, XXXX XXXX, sent an email to the law firm who served me, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. This email outlined that first of all, the charges made on the credit card were not mine and that I had already asked XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX for a list of the charges made and was refused. Had XXXX XXXX XXXX XXXX XXXX sent me a list of the charges in XXXX, I, XXXX XXXX could have taken care of this issue way before it advanced into a lawsuit. 

I, XXXX XXXX, received a response from XXXX, XXXXXXXX XXXX XXXX XXXX. that once again showed a total balance on the account, which I had received in XX/XX/XXXX, but did not show individual charges that were made on the account and where they were made. After this response from XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, the debt was removed from my credit report. 

I, XXXX XXXX, once again heard nothing from XXXX, XXXX, XXXX XXXXXXXX, XXXX. from XX/XX/XXXX until XX/XX/XXXX when I served with a notice of hearing for default judgment.
Product: Prepaid card

On this past Sunday XX/XX/XXXX  I went to the ATM XXXX  the PNC Branch XXXX XXXX XXXX XXXX XXXX Pa XXXX. As I attempted to deposit a check for some odd reason this particular ATM didnt allow me to do this. And it appears that whenever the PNC Bank as a whole is reported for misconduct. They comes back at me with retaliation tactics such as this
Product: Debt collection

I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven.
Product: Credit reporting or other personal consumer reports

The information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

I have written them to remove this inaccurate account and they have not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX CFPB Complaint No. : XXXX Dear Equifax Representative , I am writing to follow up on my recent dispute submission, referenced under CFPB Complaint No. XXXX. I understand the importance of verifying my identity to protect my personal information, as emphasized in your previous communication. However, I wish to clarify that I have already submitted all required documentation to confirm my identity and address. 

The delay in resolving the inaccuracies in my credit report is not only inconvenient but also significantly detrimental to my financial stability and day-to-day life. These errors are adversely affecting essential aspects of my livelihood, such as my ability to acquire credit, seek housing, and manage my financial affairs effectively. 

Therefore, I respectfully urge a prompt review and correction of the disputed items in my credit report. The requested corrections, as previously detailed, include : Updating my current address to XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 
Correcting my phone number to XXXX. 
Rectifying my name to XXXX XXXX. 
Removing all outdated employment information. 
I trust that Equifax will expedite the processing of my dispute in light of these circumstances. Please acknowledge the receipt of my previously submitted documents and proceed with the necessary corrections without further delay. 

Your immediate attention to this matter is greatly appreciated. I look forward to a swift resolution. 

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

XXXX accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 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 XXXX XXXX # XXXXXXXX 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

Im a victim of credit karma eligibling I been approved for a credit card and got denied and receive an inquiry
Product: Debt collection

A company based in North Carolina has contacted me about a Bank of America account that is fraudulent. I have never had a businesses account in my life. I believe the account open sometime in XXXX, I never had a bank account in that time frame with Bank of America, I have been on social service and SSI since 2005, I did not ever have a buisness I lived at 2 different address at that time and never had a bill come to me at any of my physical address. I just found out about this account 13 years later?? Company involves XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX, XXXX, SC,XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : ) Nissan-Infiniti LT Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX and XXXX  has stated this multiple of times : That the data furnisher says that Nissan-Infiniti LT 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

Nissan told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX 's, Nissan 's and XXXX 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
Product: Credit card or prepaid card

My dispute XXXX for {$110.00} has been open since XX/XX/2018 without an update.
Product: Credit card

Problems with payments crediting to credit card account, then charged late fees exceeding amount due by XXXX in 5 months '. 
The payments never transfered showing no payments were made ; though every month showing I upped the payment by XXXX to cover last month 's fake late fees. 
Then when they get my card number send debits that if I had not locked my card ..left me without my monthly social security check . 
I've called several times ... I have XXXX long they keep charging me more money every month when I only owed XXXX I'm afraid they will take my car I use to go get medicine n see my doctor. 
Please stop the charges please get damages from fake bank fees '. The card is AVANT credit card to help restore n build credit. 

XXXX! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX, Account name : XXXX XXXX date : XX/XX/XXXX, Account name : XXXX XXXX XXXX date : XX/XX/XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.