23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX Did a investigation after I reported to them that this company was reporting I owe XXXX for a previous company XXXX XXXX. 
I sent a dispute and both credit agencies utilized the 30 days to investigate the company debt was removed I was notified Two months later same company Stellar Recovery reports again and both bureaus allow this but report as new and a different amount by XXXX I call Stellar tell them to stop reporting wrong information and that I have n't had XXXX and they said were not reporting anything I got no place with stellar theynsaid it must be fraud I said yes someone used my name apparently I contacted XXXX and really got no place after requesting a contract and anything they could give as proof to send to authorities and I got no help just transferred all over I asked the two credit bureaus to delete the collection off my credit and block Stellar and nothing done also I questioned how could you allow them to report again by just changing the amt I 'm in the middle of purchasing a home and this has caused my score to drop and I have 2 weeks to rectify this error I asked them to delete immediately it 's fraud Stellar XXXX XXXX   XXXX fl XXXX XXXX XXXX Thank you
Product: Debt collection

On XX/XX/XXXX I contacted Portfolio and Recovery associates In relation to a collection account of {$870.00}. They sent me copies of two bills but they did not provide Original purchase agreement showing their ownership of the debt or written validation from the original creditor They did not send me a copy of the original signed contract bearing my signature as proof of validity Or a copy of The credit application that shows I am legally responsible for this debt as I requested all of the above They did not break down the principal interest, and other fees associated with the account they didnt send a 1099c to me They never notated on any of the three credit bureaus that my account was being disputed
Product: Student loan

Hello, In response to your previous response to my most recent complaint filed on XX/XX/XXXX, you stated that you have recently settled two lawsuits relative to discharged non-qualified private student loans. You also stated that I was either not apart or not included in any of those lawsuits. Therefore, you stated that I am still obligated to pay on a debt that I have proven beyond a reasonable doubt is in fact a non-qualified private student loan. The lawsuits that are above mentioned either were filed while I was actively in my Chapter XXXX bankruptcy ( i.e. XXXX ) or when I had just received a discharge order, which was at the end of XXXX. At that time, I was unaware that my private student loan was dischargeable. Your response does not change the narrative of my circumstances. You are clearly in violation of current bankruptcy law by continuing to collect on my non-qualified private student loan. I will continue to file complaints every single day if that is what I have to do. I am only asking that you do the right thing and please cease collections on my loan and refund me what I have already paid since XXXX. This is also what the CFPB bulletin regarding unfair billing practices dated XX/XX/XXXX is calling for as well.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute an inaccurate name on my credit report that need to be fixed. My legal name is XXXX XXXX and should be updated on my report correctly. This mistake could affect my credit, and I believe it violates the Fair Credit Reporting Act, which says credit reports need to be accurate. I respectfully request that Equifax update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.
Product: Debt collection

Claims a debt owed on a apartment dwelling that I dispute. Nothing was owed upon departure in XX/XX/
Product: Credit card

I sent a payoff for this card in the mail in addition to my other banks auto draft to pay. I sent the payoff the end of XXXX. I received no calls or letters showing that a payoff payment had not been received. When I checked my credit last week I saw it had been lowered by XXXX points due to late payments. I called and they were unhelpful and unwilling to provide any consideration for my situation despite me explaining I mailed the payoff and never got contact from them that they did n't receive payment. As soon as I heard I called and payed the payoff right away. I am suppose to close on a house in 2 months and I 'm this error could cost me my home and my XXXX deposit. I was suppose to get a call back from a manager but never did. This was concerning TD bank credit card.
Product: Credit reporting or other personal consumer reports

This is my final warning! I recently conducted an investigation into my credit report, and it left me in severe distress. I unearthed numerous unverifiable, invalidated, inaccurate, and highly questionable items that your agency has failed to ensure are reported accurately. 

Under the Fair Credit Reporting Act, it is imperative that every detail on my credit report is 100 % accurate. Yet, it's evident that under both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are blatantly violating this requirement. I am attaching copies of all previous correspondence for your immediate attention. Consider this your last chance to rectify this egregious error!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4300.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}. Those two accounts are fraud. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year XXXX XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.
Product: Credit reporting or other personal consumer reports

ubject : Formal Dispute of Civil Negligence & Non-Compliance in Credit Reporting Investigations Dear Credit Burea, I am formally disputing your handling of my previous credit report disputes under the Fair Credit Reporting Act ( FCRA ), citing negligence and non-compliance in conducting a thorough investigation as required by law. Despite my repeated efforts to have inaccurate, incomplete, or unverifiable information removed from my credit report, your failure to conduct a reasonable and proper investigation has resulted in continued reporting of erroneous data, negatively impacting my financial standing. 

Under the FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days, and if the disputed data can not be verified, it must be removed. I have provided sufficient documentation supporting my disputes, yet you have failed to meet this legal obligation by either verifying the information inaccurately, failing to provide proper documentation of verification, or simply ignoring my request altogether. 

Due to your non-compliance, I am demanding the immediate deletion of the following inaccurate accounts : - XXXX XXXX XXXX : Account Number starting XXXX amount {$490.00} -XXXX XXXX XXXX : Account number XXXX amount XXXX - Credence Resource manag : account number XXXX Failure to comply with this request may result in legal action against your organization for willful non-compliance and civil negligence, as I will not hesitate to pursue my rights under the FCRA XXXX which allows me to seek damages for your failure to follow the law. I expect a prompt response within the legally required timeframe. Please send written confirmation of the removal of these accounts or a detailed explanation of your verification process, including the method and source used. 

I am keeping records of all correspondence related to this matter. If I do not receive an adequate response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. 

I look forward to your prompt attention to this matter. You may contact me in writing at the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

This creditor called my husbands phone and said a legal notice will be sent to my place of business the next business day if I did not contact them immediately. So I called the number that was giving to my husband and a very rude man said that I owed an amount of {$3800.00}. Although I did take a payday loan out for XXXX dollars some time ago, I have never take loan amount for over that. This gentleman told me that my original loan was for XXXX dollars. I ask for verification of the loan and was told that I was only trying to stall and that I needed to take care of it right then. I expressed the fact that I have a right to ask for verification and again was told I do not. He then hung up on me. I called back and asked to speak to a supervisor. I told the supervisor that I was not disputing the loan just the amount. I was told if I set up arrangements that day that He would get the information out to me in 10 days from the original creditor. Well this never happen. I continued to make payments of XXXX every paycheck. I asked several times for the information I request and still no response. I stop payment on the last weeks payment and again I got a call from the company saying they were going to send out legal notice to my place of employment. I called the number back and was told that they have sent the notice to me about what I owe. but the only notice I get is from them. not from the original creditor, so they still can not prove to me that I owe the amount they say. Then doing some research today, I find out that collection agency in the state of XXXX XXXX can not collect on Payday loans because it is illegal. I want this to stop. I want the original amount owed and I also want to know if they are legally allowed to collect money from me for a payday loan that I told out over the internet. I live in the state of 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. 

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 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 reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$1600.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card

A few month ago I received an invitation by mail with an offer to apply for Citi Bank XXXX XXXX credit card with XXXX bonus miles after spending {$3000.00} in three month. 
I was approved. I spent {$3000.00} in less than three month. However I recently noticed that I did not receive the XXXX bonus miles. 
I called Citibank. the Rep asked me if I have the copy of the offer. I replied that Citibank must have it. The rep told me that he is starting " investigation '' and that I will hear from Citibank within 24 to 48 hours. Needles to say I never heard from Citibank. So today I call them. The Rep told me that I am not entitled to the bonus points because my previous account with Citibank is close for less than 24 month. 
I entered into an agreement with Citibank. I kept my side of the agreement by fulfilling the requirement as stated in the invitation. Citibank should do the same. If Citibank could n't or would n't keep their side of the agreement the should have denied my application as XXXX XXXX does.
Product: Credit card or prepaid card

On XX/XX/XXXX I used Discover credit card to purchase a 6 month vehicle insurance policy from XXXX insurance in the amount of {$570.00}. 
On XX/XX/XXXX i realized that i had been charge twice in the amount of {$1100.00} dollars by XXXX insurance after looking back into my Discover credit card E-statements dated XX/XX/XXXX thru XX/XX/XXXX. 
i contacted Discover and they opened a claim under case number XXXX, and i contacted XXXX XXXX and they provided a receipt stating that is was not an error from there part that they had only charged once in the amount {$570.00}, there for and error on Discover card services. 
I have not received a email, or letter as off XX/XX/XXXX with a resolution on this charged on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was on the Wells Fargo website and it basically has a banner for government officials going through hardships. I called on XX/XX/2018 and spoke with a nice gentleman explaining if next month as a government official how are you Wells Fargo helping those victims? And his response was we will waive late fees but not defer payment so credit is not effected. After all Wells Fargo knowing that it was defrauding customers to the point of then CEO stepping down and I believe having to give the money back. In my opinion if Wells Fargo is trying to help the American people then why are they not giving extensions so credit ratings are not impacted by the call on Mr President to close aspects of government.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Tax Lien information is incorrect, The account is showing on Equifax and XXXX. XXXX : XXXX XXXX XXXX XXXX Docket # XXXX Equifax : Tax lien filed on XX/XX/2008 Type Tax lien Court number XXXX Case number XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my report is not being removed in timely manner
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I logged into my Experian account and it said my account was unlocked. My lender tried to pull my credit report and was advised it was locked. I tried contacting Experian " customer service '' for almost an hour. I called 6 times, jumped through all the hoops and the call ended 5 times before I finally got through. When I did get through, it was difficult to understand the rep. In addition to english not being her first language, there was a lot of background noise. I am trying to obtain a home loan, so it's critical for the lender to get my report. I was able to unlock my report from the other 2 agencies online with no issue. The lack of service from Experian is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, XXXX XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine weather the disputed information is inaccurate and record the current status of disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 - day period beginning on the date on which the agency receives the notice of the dispute from the consumer or seller.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to wire {$300.00} online with a credit card to XXXX to someone that I know. I got a message that the transaction was completed and I sent the reference number to the receiver. About 40 minutes later, I received an e-mail that the transaction had been cancelled and my account was closed. I spoke to someone in customer service, who said that they can not give me any information about why it was cancelled and they told me I can never send a money gram transfer again -- -neither online or in person. They said it was a " security issue to protect me ''. I told them that I know the person I was sending it to and was willing to take that " risk '' with MY money. I asked to know what the problem was, but they were not willing to give me any information other than that is the way they do things and don't have to give me a reason. 

After reading many of the complaints, it seems that after you send money several times, they shut down your account. I have sent a few times before in the office, with the most recent time being on XX/XX/2019 to a different country. I have a small business which requires me to send money overseas. As there is a paper trail and they check id 's in the office, I'm really wondering why I was denied using their service. I am not satisfied with the customer service that I received. I am also upset that it took so long for them to tell me the transaction was cancelled, as it could have meant the recipient went to collect her money and it wouldn't be there.

They also told me it would take 3-10 business days to reverse the charges. As it was on my credit card ( versus taking the money out of my bank account ), it wasn't as big an issue ( my plan is to dispute the charge as soon as it processes ) -- -- but it seems it is not right to take people 's money and keep it for 3-10 business days. At the very least, they should pay interest. It should be returned immediately when the transaction is cancelled. It could be a financial hardship to people, especially if sending a large amount.