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

I sent a letter about some accounts that they were reporting that was not mine. They did delete some of the accounts and had an results on the other ones with " Verified as accurate and updated '', but the accounts are not mine. I will like for someone to review the attachmen t for one of The cre ditor sent me for the account " verification ''. The account is for someone else. The address and the name on the attached bill is not mine. I have file a identify theft for the accounts that are in error on my credit report. Attached and has filed a police report with  XXXX  county to get these errors resolve in a timing matter. They are hindering me.
Product: Debt collection

This is a formal complaint against CAINE AND WEINER located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, CAINE AND WEINER has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

I am slowly falling XXXX XXXX XXXX XXXX. Could've given up on my credit report despite the amount of times I've been ignored but I will try again and hopefully this time somebody from this company cares enough to save me from my credit disapprovals.
Product: Credit reporting or other personal consumer reports

TD RCS/XXXX  have been reporting late payment to the credit bureau . In accordance with fair credit reporting act, those creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
Product: Debt collection

XX/XX/2019 I spoke with XXXX in Fraud Department Services regarding uploading my FTC report that list account XXXX/XXXX  XXXX XXXX to have it deleted/blocked because it is a part of my identity theft. Currently it's in dispute but he told me to call once FTC report has been uploaded to block/delete unfortunately, I tried for about an hour to upload the document through Experian upload and it never worked for almost an hour and the only way I could get it to them immediately is here through the CFPB
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Golden One Credit Union is illegally reporting information on my credit report and is not in compliance with the Fair Credit Reporting Act. They are reporting 3 different accounts of my credit on 3 different credit reporting agencies which is illegal under the fore-mentioned Act. In light of this I request that the account be removed from my credit report immediately. Also I have also made numerous attempts to have this debt validated from them and their collection agency The XXXX XXXX XXXX XXXX, to no avail. This also is clearly not in accordance with the Fair Credit Reporting Act, and grounds for this account to be removed from my credit reports. I would like all collections efforts ceased and this removed from all credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX credit card ) placed on my consumer report by XXXX, Equifax, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX  credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX XXXX charged my AMEX Serve Card somewhere to the of $ XXXX {$160.00} for a phone order. However, the order with XXXX XXXX XXXX was cancelled and they cancelled the hold on the card. The hold disappeared, but the money was never actually added back into my balance at all. It literally just disappeared. I called AMEX and the rep explained to me that XXXX XXXX XXXX only held {$1.00}, which was added back to my balance. I know with absolute resolve that this is not the case. I'm not out at least {$120.00} ( if not more ) because AMEX simply took the money ; it vanished. I have already spoken with XXXX XXXX XXXX at length about this, and I was advised this is not the first time they had seen this with an AMEX prepaid product.
Product: Debt collection

For the last 5 years XXXX XXXX XXXX has harassed me about a debt to XXXX XXXX cedit card company. I have made payments through XXXX and the when they were not making the payment on time I took it from them and stated paying XXXX. They then sold the account to XXXX. I was locked out of XXXX website in order to make anymore payments. There is no record of the payments I have made to anyone. They are demanding I pay XXXX. 
They have sent this to an attorney in XXXX XXXX, Mo XXXX and XXXX. 
They to say they have no records of any payments made. 
The amount they are asking for is mostly late fees and interest. I have no way to retrieve my payment info. 
They have threatened me and harassed me for months with phones calls and letters. 
They refuse to send me documentation of payments I have paid. The lawyers refuse to send me proof of my payments either.
Product: Checking or savings account

Hi Team, I opened Citi bank account with promotion of {$400.00} bonus. The requirement was to maintain {$15000.00} total combined balance in accounts for 60days and bonus will credit within 90days for meeting requirement. 

Account Open date : XX/XX/2018 Amount {$15000.00} deposit date : XX/XX/2018 Requirement met on : XX/XX/2018 Bonus Expected date : XX/XX/2018 Contacted bank several times they did confirm account meets bonus requirement but no bonus credited yet. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.
Product: Debt collection

I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Zelle has neglected to protect me as a consumer and allowed these people to keep exploiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last report is not accurate. This ground for removal they also violated my rights under 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 an account without my written instructions
Product: Checking or savings account

I was in a vehicle accident and my money was thrown from vehicle my purse and most contents of my car was thrown out.. 1 month after wreck the money was located and brought to me with some other belongings. I had some 20 bills that had been damaged due to being exposed to the elemehts. I tried to exchange the money with my bank and XXXX was returned and deemed unacceptable without reason. I was hung up on with no resolution presented.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code L

aw ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I checked my credit report recently and noticed one of my accounts was not reporting accurately. It shows a late payment on my account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not had any late payments and I've attached a copy of the reports to this complaint with the following dates, XX/XX/year>. I am requesting you to 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit monitoring services alerted me my Transunion score dropped 20 points. Upon inspection of my Transunion credit report # XXXX I notice that in the remark section of my mortgage with XXXX XXXX XXXX Transunion added this statement " Foreclosure procedure initiated ''. 
This is factually untrue- I immediately disputed this information to them. I am current and haven't missed a payment in close to 2 years on my mortgage with no past due of any amount. Never was I foreclosured on nor in the process of foreclosure. 
I haven't received any notification that my dispute was received or that the investigation has started. I just want this issue resolved as quickly as possible.
Product: Credit card

I received a citibank credit card in XXXX. I got XXXX statement so far. No issues. 
XXXX XXXX XX/XX/25 I had a plumber here and he wanted my card number. I was paying with citibank. 
As of a week later there is no withdrawal and I started investigating. Because he doesnt want to speak to me thru XXXX, and he has 2 numbers and never calls me back, I'm wondering about my card. 
My problem is I HAVE NOT BEEN ABLE TO CONTACT CITIBANK. On my citibank account it says FRAUD ALERT!! I read this, itself, is a fraud warning maybe. 
The number on my credit card back connects me to an XXXX who asks for my entire credit card number. Citi says they never do that. So I hung up. 
I called every number I could find. Some XXXX woman sends my phone code I'm supposed to type in. Citi says their code is always a XXXX  digit beginning with XXXX ( I know it ). 
Hers began with XXXX. I mentioned this. She got snippy, told me to go elsewhere then, and hung up. 
I just called the corporate office which connected me to XXXX again. He wants my entire card number or SS number or phone number. I gave him the phone and it didnt help. I gave him a second phone. It didnt help. He wants my credit card number. 
Yesterday I called XXXX to put a freeze on the card. Done. But that doesnt help with scammers. XXXX gave me the correct citibank number. I used it today and got an XXXX asking for my complete card number. 
Meanwhile, the website lets me in thru the warnings, and my credit allowance went from XXXX limit to XXXX. I cant get in to lock the card ANYWHERE. I researched the bank in XXXX because THERE IS NO BANK IN XXXX. XXXX reviews were horrendous. They list all the ATMs in the country. XXXX in XXXX. All have the same XXXX area phone number. I researched and XXXX are usually frauds. 
I could pay them off and cancel the acct. XXXX says they tried that, it seems to come back unasked for. I know cancelling an acct, hurts your XXXX XXXX. 
NOW i see my middle initial on the card is XXXX  and mine is XXXX. There's nothing I can do about anything without a number. My next thing is to write and pay for a response from their corporate office. What I want is to get out of this crooked company. I need a legit contact. Using your name would help.
Product: Debt collection

I received a medical collections statement from Medicredit , Inc., a subsidiary of XXXX XXXX. 

I received care from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( also part of XXXX XXXX ), on XXXX XXXX XXXX. I was incorrectly billed for the amount of {$700.00}. 

I both disputed and appealed this bill. On XX/XX/2024, my insurance posted an updated EOB indicating that the amount I owe is {$0.00}. 

I reached out to Medicredit to discuss and they gave me an email address to submit documentation, XXXX. They did not indicate next steps or when I would receive an update on the correction from their end. I then reached out to XXXX 's billing department to request that my bill be updated according to the corrected amount. The representative reported that they had not received any updated statements. I asked for contact information to submit documentation and they responded that documentation needed to come from my insurance. I pressed again for a fax and email address specifically and received the numbers XXXX and the email address XXXX. He also did not give me next steps on how the amount would be corrected or what the process was for updating bills. 

I sent the updated documentation to both email addresses. Both emails went through correctly. Both email domains are actually owned by XXXX XXXX IT department if looked up on XXXX search.
Product: Debt collection

XXXX XXXX violated my right to dispute the debt, specifically related to the XXXX vs. XXXX XXXX XXXX XXXX. She told me she couldn't mark debt disputed through verbally, must have written which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

Capital One claims that I did not preform on the obligation and payment was not made. I indeed did and I have submitted this a letter along with with this complaint to inform Capital One of dishonor.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ XXXXXX/XX/XXXX[ XX/XX/XXXX [ XXXX XX/XX/XXXX ] [ {$0.00} ] XXXX : [ XXXXXX/XX/XXXX ] [ {$9700.00} ] In accordance with The Fair Credit Reporting Act,XX/XX/XXXXXXXX, XXXX VI, Section XXXX. 
Please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation. Several inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on one occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them. 
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the XXXX reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR Equifax : Thank you for sending me your internal records of the debt XXXX XXXX XXXX , Credit Card account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my " Session '', " Time-Stamp '', " Browser '' and " IP Address '', with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ). You stated by mail that you verified that these items are being reported correctly so how could this happen? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED ONCE AGAIN FOR THE 3rd TIME : MY UTILITY BILL FOR ADDRESS VERIFICATION, ID AND SOCIAL SECURITY #, POLICE REPORT, ID AFFIDAVIT via UNITED STATES POSTAL OFFICE CERTIFIED MAIL TRACKING # : XXXX mailed out todayXX/XX/XXXX.You deleted this once XX/XX/2020. I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I am keeping phone recordings and paper trail with all communication.