23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, this concerns an account listed under XXXX XXXX XXXX. 

The debt associated with this account has been fully paid off, and XXXX XXXX XXXX is attempting to collect the same debt twice. Reporting the same debt twice is both inaccurate and misleading, and such practices are prohibited under federal and state consumer protection laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are forbidden from engaging in deceptive, unfair, or misleading practices, including attempting to collect a debt that has already been paid. Double reporting or attempts to collect on the same debt are violations of these laws. 

Additionally, courts have consistently ruled that attempting to collect on a debt that has already been paid constitutes unjust enrichment and would not be enforceable in court. Judges regularly dismiss cases where evidence proves that a debt has been satisfied. XXXX XXXX XXXX ' continued reporting of this debt is not only unlawful but would also be considered baseless if brought before a judge. 

Therefore, I am requesting the following : That this inaccurate account be immediately removed from my credit report. 
That all collection actions related to this debt by XXXX XXXX XXXX be stopped immediately. 

Enclosed, I have included the following documents to assist with your investigation : Proof of payment for the disputed account Correspondence with XXXX XXXX XXXX regarding this issue The company had refused to remove the debt, and continues to attempt to collect on the debt, even though the debt has been paid.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not mail my updated copy of corrected information
Product: Credit card or prepaid card

I made a payment on my Capital One Quicksilver credit card on XX/XX/XXXX, The payment amount was {$820.00}. I was informed today when inquiring why I haven't received the available credit on my card yet that it would not be available in XX/XX/XXXX. That is ridiculous. Almost XXXX weeks to have a payment credited. The customer service person was useless and transferred me to a supervisor who was even more useless. I asked to be transferred to a higher level person and was told there was not one. 

I had XXXX payments returned back in XXXX the supervisor told me on the account although the account was never past due. In the meantime I have made multiple payments each month since then with none of those ever being returned. Although she could not confirm that was why this payment was being held. 

I use this card for business so I am constantly paying it off and recharging on it. In the past the longest they have held a payment was 3 days and most times the credit is available the same time I make the payment. 

The money was out of my bank account the very next day. In this day and age of electronic transaction it is incomprehensible to me that a company can hold a payment for almost XXXX weeks to ensure the payment clears. They know within a day if not XXXX days if the payment was successful or not. 

I would like a reason why this payment is being held for such a long time. It is totally ridiculous.
Product: Bank account or service

I opened a citigold account in XXXX at a branch under the promotional offer of getting {$500.00} for depositing $ XXXX or more with the requirements as follows : 1 ) depositing {$50000.00} within 30 days of account opening. 
2 ) Keep the {$50000.00} in Checking for 30 days from deposit. 
3 ) The {$500.00} cash bonus will post XXXX calendar days from the date when all requirements are completed. 
I also confirmed my eligibility for the offer not once or twice but thrice including an email proof to a banking rep at the time of opening. 
I was n't rewarded that credit as expected within 3 months of account opening so I put in an investigation which confirmed I would be getting the credit of {$500.00} as I have met all the requirements by XXXX XXXX. ( The promotion code : XXXX ). Confirming reference : XXXX. However, I was n't credited the amount even on XXXX so I opened another investigation on XXXX XXXX where they confirmed they would let me know about my eligibility and credit by XXXX XXXX, which did n't happen either, so On XXXX XXXX when I asked they mentioned the investigation will take indefinite amount of time for which I do not want to wait any further as I feel cheated since I have all necessary proofs and confirmations from past confirming my eligibility and it should n't take long to credit the amount instead of making customers call and follow up so frequently, which is not only a bad customer experience but also seems like a fraudulent practice where you are promising a certain amount to maintain customer loyalty and not crediting the expected amount as promised. This is the reason why i am filing a complain here through CFPB so customers are aware of this practice and the citibank can try to be honest about their practices.
Product: Checking or savings account

Discrimination by denial of the right to open a checking account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX XXXX XXXX : {$6700.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX  XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$4700.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$3800.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CREDIT COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute and Request for Validation To Whom It May Concern, I am writing to formally dispute the validity of an account that has been reported to the consumer reporting agencies by your company. This account appears on my consumer report and is negatively affecting my credit. 

According to 12 CFR 1006.34 ( b ) ( 5 ), I have not been provided with the necessary validation information regarding this debt. Furthermore, under 12 CFR 1006.34 ( e ) ( 4 ), I have not been given an opportunity to dispute the account before it was reported. 

It is my understanding that your agency is violating my consumer rights by using false, misleading, misrepresentative, and deceptive means. Additionally, your agency has no authority to furnish any account information to consumer reporting agencies without providing all disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2. 

I request that you immediately provide the following : XXXX. Validation of the debt, including a detailed statement of the account. 
XXXX. Copies of all documentation that supports your claim that I owe this debt. 
XXXX. A statement indicating whether you have reported this account to any consumer reporting agencies. 
XXXX. The purchase agreement between the original creditor and the collections agency. 
XXXX. Proof of collections agency licensed and bond. 

Failure to provide this information will result in further actions being taken to protect my rights under federal law. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am writing to urgently request the Consumer Financial Protection Bureau 's intervention regarding an inaccurate debt collection entry on my credit report. This entry, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect. XXXX XXXX XXXX  records confirm no outstanding fees. 

Experian, XXXX, and XXXX have failed to verify this account before placing it on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). This negligence is severely affecting my livelihood by damaging my credit standing. 

I request immediate action to investigate this matter and ensure that this erroneous entry is removed from my credit report without delay. Enclosed are copies of XXXX XXXX XXXX records and previous correspondence with the involved parties. 

Thank you for your prompt attention to this critical issue. 

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

INQUIRIES NOT AUTHORIZEDXXXX XXXX XXXX -XX/XX/XXXXXXXX/XXXX XXXX -XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to run my credit. 

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: Debt collection

EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and this complaint to the XXXX Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found inaccurate. 
XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Old Case # XXXX No one can validate this XXXX 's account - no signatures, no ID 's, not tracking numbers, no. They are supposed to keep these on file, but instead the only sent me unsigned receipts for purchases in the state of Florida. That is not validation! They are also reporting the account late and with a balance. How can this be legal.
Product: Credit reporting or other personal consumer reports

Consumer reports are required to have maximum accuracy. Experian is reporting a address that I do not live at any have never lived at. 
They say the address has been verified by a creditor. 
I said a consumer report requires maximum accuracy, it does not matter what a creditor says in this matter. 
I have one address and want the address that doesn't belong to me Deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

The following complaint is in regards to credit reports generated by XXXX and Equifax on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello--I have tried to "permanently remove a security freeze from (my) credit report" at specifically Equifax in order to purchase a XXXX Contract; but Equifax will not allow me to do this through their Online and Telephone Consumer Credit portals. I have tried 8 times Sat (XX/XX/2019) and 4 times Sun (XX/XX/2019) -- each time following their instructions, namely:Per the "XXXX" website, I first created an online account, only to receive this message 12 times in 2 days (see above dates reference:) "Please give us a call -- We can't complete your request at this time. Please call the Customer Care team XXXX   Customer Care is available between XXXX XXXX.XXXX. and XXXX (ET), 7 days a week."I then, per their instructions referenced above, call the provided phone number (XXXX) and follow the automated voice instructions during the call, namely:A-Provide the reason for the call (#5-Other) and (#4-Agent) and (#0-Agent); and thenB-Provide "4-pieces of information to verify (my) identity," (i.e. #1-Mobile Phone No., #2-SS No., #3-Numeric Street Address, #4-Zip Code). After providing the information requested by the automated telephone prompter, I have received this message 12 times: "Unfortunately, the system is unavailable right now. Equifax.com is available 24/7 to answer questions and provide additional self-service options. Goodbye."Additionally, I also went to XXXX/ "Frequently Asked Questions" webpage, to the "Customer Care for your Equifax credit report" section, and called the "Customer Care Phone No. XXXX" and got the same previously described automated telephone prompter system that gave the same message (indicated above).Consequently, as a Credit Consumer, I cannot access Equifax whatsoever, either online through their provided "Consumer Create an Account" Online System, or by their own provided Customer Care Telephone Number through an automated voice identity verification system so that I may "permanently remove a security freeze from (my) credit report."
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX my debit card was fraudulently charged. There were XXXX transactions totaling {$630.00}. XXXX transactions for {$39.00} and XXXX transactions for {$110.00}. I disputed all XXXX transactions on XX/XX/XXXX. 

On XX/XX/XXXX I was notified that XXXX of the XXXX transactions had been ruled in my favor, but XXXX transaction was deemed legitimate. On XX/XX/XXXX Ally withdrew {$110.00} from my account as a reversal of the previous Provisional Credit. 

On XX/XX/XXXX I called to discuss this with Ally and was told there was no appeal process, but that I could request documentation that Ally used to make their decision. I made this request and was given reference # XXXX. I waited the XXXX business days stated but never received the requested documentation I called back on XX/XX/XXXX and it took XXXX minutes to finally reach a point where I just had to submit another request that was identical to the XXXX. This was given reference # XXXX. 

I asked to speak with a supervisor who then spoke with " back office '' and was told that the original request was fulfilled and the information had been emailed, after it was clearly stated the information could only be sent via the postal service. Regardless, I never received an email with the documentation. 

This process has been cumbersome and Ally appears to have made misleading and false statements while not producing the required documentation.
Product: Mortgage

In property I was living in XXXX  on my shoulder to live in a property I was in the process of selling the property but it didn't go through so I did another modification and when I did the monocotation and I wanted my daughter to live in a property I found she didn't had the money to pay the rent and did help to get the rent so she was out and left me in this situation so now I'm back in XXXX trying to get this house back together currently right now and the property with my youngest daughter my XXXX grandsons I don't look through to get help anyway I can't
Product: Credit reporting or other personal consumer reports

I was looking at my Transunion credit report and notice there were some things that was not correct. I tried to dispute items on my credit report on XXXX, XXXX, XXXX and nothing has changed. 

In accordance with the fair credit act. The infomation has violated my federally protected consumer rights to privacy and confidentiality 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 a account without my written instruction.

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 incorrect.
Product: Debt collection

refrence XXXX i received a letter in the mail about a debt to respond by XX/XX/2024. I don't know what this is but this is not me. this not my debt and something needs to be done i would like to dispute.
Product: Checking or savings account

I had 46 charges to a XXXX XXXX XXXX and to two other places that was not done or authorized by me I can not get any reason or explanation to why it was done or my dispute denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}
Product: Bank account or service

XX/XX/XXXX upon signing up for a gold checking account I called Citibank to verify if I am eligible for the signing bonus XXXX XXXX points if I meet all the requirements. I was told yes I will receive the promotion offer. Right after the requirements were met I chatted online with an agent again to verify if they were met, and I was assured by the agent saying yes ( I have a copy of the conversation - XXXX : at XXXX XXXX, the bonus points will be credited into your account within 90 days. 
XXXX : at XXXX I request you to wait. 
XXXX : at XXXX You will receive the confirmation message from our end regarding the points when they are going to credit. 
XXXX : at XXXX Rest assured. ) A month later I called again to check on the status and a male representative said the same thing and asked me to wait for 90 days. And a month later I called again and the rep. said she will make a request and send me an email, but I never received the email. 
Today it 's been over 4 months since I signed up for the account. So I talked with an agent online about the promotion offer. She then told me that I am not eligible for the offer. 
I called 3 times and talked online with at least XXXX other agents too, and they did n't know or check if I was eligible for the offer?! They told me to wait for 90 days several times. Now I have waited for over 90 days, and she said I am not eligible? If so, should n't they have said that at the beginning?!