23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owe the VA approx : {$1800.00}. the IRS set it up that they would take monthly payments out of my social security to apply to this debt, they have been doing that for a number of months. I received a Letter dated XXXX from the IRS informed me that they owed my wife and I, {$1800.00}. They also informed me {$750.00} would be applied to my medical debt with the VA. With this I received a detailed list of all the charges and who they went to. I need his amount to be paid toward this bill and I will be paying whatever is left with check or debit. The VA never informed me they would be turning this over to collections, otherwise this could have all been taken care of. I don't need this messing up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a factual dispute letter to Equifax highlighting its inaccuracies and incompleteness of reporting in regards to my credit file. Enclosed with that letter was a correspondence letter from XXXX XXXX XXXX, XXXX with highlights that confirmed the incomplete reporting and the inaccuracies in my file. 
Equifax responded, XX/XX/2020. This was the correspondence letter that prompted my request for the description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding the results of the dispute. 
Along with the request for description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding dispute, I also requested Equifax to provide copies of any documents bearing my signature, showing a legal binding obligation, also, the name, address, and telephone number of each person contacted regarding this dispute. To date, I have not received a reply from Equifax or any acknowledgment.
Product: Debt collection

Citi Card Services provides merchant services to Best Buy. 

On XXXX XXXX, XXXX I purchased on my Best Buy account ( through Citi ) a speaker for {$210.00}. A few days later I received a bill. The bill was paid and mailed to Best Buy Credit Services on XXXX XXXX. The bill was due on XXXX XXXX. 

The payment was processed and posted on XXXX XXXX ; 5 days after the due date and 16 days after the payment was mailed. Shortly after all mail was put on hold due to a scheduled vacation. 

Upon return of the vacation there was an XXXX bill from Best Buy Credit Services for a {$XXXX} late charge. A week or so later the XXXX bill arrived from Best Buy Credit Services for another {$XXXX} later charge and a XXXX cent interest charge for a total due of {$XXXX}. 

On XXXX XXXX I contacted Best Buy Credit Services ( Citi ) and informed them of the payment made in full and disputed all of the fees. They agreed to remove one late fee for {$XXXX} but none of the other fees. In order to avoid another late fee I made a payment of the total due, cancelled the card and informed them I 'd contact CFPB. 

Their reply was that they ca n't control the US Postal Services delay in delivering mail. The purpose of my complaint is to inform the CFPB of a possible tactic they are using to delay the processing of mailed payments in order to assess late fees on accounts. I believe I 've paid an amount that I was not obligated to pay but was forced to do so in order to avoid ongoing late fees and interest charges.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.

XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX XXXX {$5000.00}.
Product: Prepaid card

On XXXX XXXX, 2016 i went to XXXX to load XXXX dollars cash on my american express serve prepaid card. The money never posted to my account. I have spent countless hours since that day on the phone with amex serve customer service. To no avail. They keep giving me the same runaround. They say they ate investigating the problem. As a result i wasnt able to pay my car insurance resulting in a cancelled policy. Also resulting in my vehicle registration being suspended due to no insurance. Ive gotten no definitive answer as to wen my money will be available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay XXXX but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and XXXX will report the balance as XXXX, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with XXXX is 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 XXXXXXXX XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I snet transunion a dispute letter in XX/XX/XXXX concerning two accounts -- -I have attached that letter. 
I didn't receive their response. 

So, in XX/XX/XXXX I sent them a letter asking for their response to the re-investigation -- -I have attached that letter. 
I did not hear from them. 

i have called their customer care number, XXXX many times only to be put on hold for a very long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX i found this mistake today XXXX got me kisted 60 60 90 90 120 on their site and experian got me listed 30 30 60 60 90 which sounds more correct to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter on XX/XX/2021 and XX/XX/2021 it's more than 60 days. I need these accounts deleted or updated
Product: Credit reporting or other personal consumer reports

this ACCOUNT XXXX XXXX account number XXXX open on XX/XX/year> is a fraud account and have not open this kikoff account. I have disputed this account several times and XXXX have violated the fair reporting credit act retaining to fraud accounts
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from XXXX, Equifax and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each XXXX XXXX XXXX now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Credit reporting or other personal consumer reports

My father and I have social security numbers that are one digit apart and have the same first and last name. 

We have different addresses and different histories but the reporting agencies always have material that ends up on one or the other. I'd like to have his information off my history because it frequently causes problems for backgrounds checks at work. This is the 3rd time this has happened over 15 years.
Product: Vehicle loan or lease

On or approximately XX/XX/XXXX our vehicle was repossessed because of default payment towards credit acceptance corporation finance. 
Since we had our vehicle repossessed a few times due to hardship and the economy that affecting the nation. We reach out to the financial institution to see if we can settle a payment so I can get the vehicle back! However credit acceptance told me that since the vehicle been in repossession more than once they would no longer entertain any other payment option unless the loan was paid off entirely in order to receive my vehicle back! The exact total amount that was due was {$5000.00}. And changed I believe that was paid approximately XX/XX/XXXX in full! After the payment was made credit acceptance reached out to the repo company told them that our loan was paid off and we was on our to recover the vehicle! Afterwards they indicated we owe XXXX balance and that our title was going to be sent out and including our payoff. Months went by and we received nothing from credit acceptance so we called them they indicated that we our a repo fee of {$370.00} dollars thats was not included In the payoff ( which we was told that we owed XXXX balance and received our vehicle ) therefore they continue to report late payments on our credit report for over this past year that we been trying to communicate with credit acceptance about fraudulent reporting to credit bureaus that we owe a financial responsibility to them and it went on for an yr. So recently they indicated we owe {$60.00} for the repo fee so it was pay around XX/XX/XXXX because I needed my title because I wanted a new vehicle! However credit acceptance indicated that the do not give clients any documentation on any final payment on a payoff! So these institutions can dictate how or whatever they want which is an unfair and a disadvantage to consumers! I have our whole conversation recorded and they indicated that we had owe nothing and they can not give me any documentation on my payoff because the dealer I was trying to purchase new vehicle declined my loan because no proof that the vehicle was paid off! I believe credit acceptance insituation needs to be fully investigated because what they are doing in committing fraudulent reports, they are deceiving the consumers from getting proper documentation as needed and most importantly affecting myself in moving forward of purchasing anything else because for a whole yr they fraudulent reported me to the credit bureau incorrectly! Please help so no ther consumers doesnt go through what I have been through! FYI they still havent sent any documents of any payoff!
Product: Credit card or prepaid card

I have spoken with numerous people at Chase to try and obtain a cash back credit card. I am clearly being discriminated against. Any source of income I offer to provide they simply say it's not good enough. I have offered screen shots of all my activity in my investment accounts, I have offered to send screen shots of all my bank accounts. I have offered everything I can but they are declining my application until I can provide tax returns that won't be available for months. This is clear discrimination against people that work for themselves. I was also told that I could not record the phone call while they could. It's not fair to hard working Americans when they don't have access to tools to help save money. It's not fair to people that have legitimate income that have to jump through hundreds of hoops to get a basic credit card. They are asking for screen shots of information when this should be done electrically. I have offered them all my account numbers but they are refusing.
Product: Credit reporting or other personal consumer reports

The law of privacy 15 USC 1681 602 and # 4 theres a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers right to privacy.

15 USC 1681 section 604 a # 2 Subject to subsection any consumer reporting agency May furnace a consumer report under the following circumstances 2 in accordance with the written instructions of the consumer to whom it relates.

15 us code 1681s -2 Reporting information with actual knowledge of error A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 
In accordance with the fair crediting reporting act the list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX # XXXX *XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T HM IMP DEALERS S ACCOUNT # : ; XXXX DATE OPENED : XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I have requested original documentation from this company. I have sent over several letter asking for this account to be erased and removed. I have asked for a email to be sent stating that this account will be removed and I haven't received a email. This account is old and I have aske for Original Signed Copies for this account to verify that this account belong to me. They have not provided me with any information on this account.
Product: Debt collection

These two Capitol One credit cards were opened without my knowledge and I have no idea where they came from. I never received the cards and wasnt aware of the debt until XXXX XXXX XXXX informed me of them and started legal proceedings
Product: Checking or savings account

So i disputed XXXX with sofi bank. Sofi got the money from XXXX before XXXX even accepted the money on XX/XX/year> here it is XX/XX/year>. i still have no credit no refund no response form sofi i have email proof i provided to sofi from the merchant and still nothing. I want to sue them I'm tired at this point. 

Thanks XXXX
Product: Credit card or prepaid card

Chase closed my account due to an error where they allowed XXXX XXXX to overcharge me. I paid off the balance as of XX/XX/XXXX. The entire balance was paid in full as per the the phone attendant I spoke with. I asked what the entire balance was and I paid it. 2 months later they are asking for more money. This is ridiculous. This company is a thorn in my side and its non stop.
Product: Consumer Loan

I went to XXXX store # XXXX at XXXX XXXX Mi XXXX My loan was due back wed XX/XX/2016 I went in and requested a payment plan and was told if I enter into XXXX or more payment plans they would close my account and that I need to look into getting a home loan through a bank I then told her I rent an apartment why would I do that she said these are short term loans and that by me entering into a payment plan shows them that I am unable to pay back my loans so I feel as though I am being bullied into not going into a payment plan because they will no longer do business with me this is bad business I make XXXX per month I can pay back my loans my daughters father passed away and I needed some extra cash to help XXXX him and I feel as though I should not be punished for entering into a payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX Balance : {$79.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX. XXXX XXXX XXXX : {$3000.00} XXXX. XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} TransUnion XXXX. XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan

I took out a payday loan from a company called Castle Payday. The deposited {$1300.00} into my account on XXXX/XXXX/2014. Then then withdrew and average of {$330.00} per payment on each of my paydays between the dates of XXXX/XXXX/2014 and XXXX/XXXX/2014. The total amount paid equaled {$3000.00}. Per the my account page on their website I still owe {$1500.00}.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department, I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and the relevant Credit Reporting Agencies ( XXXX, Transunion, XXXX ) that the disputed charge-off entry from XXXX XXXX XXXX was deleted from my XXXX secondary credit report following an investigation completed on XX/XX/year>. The account was found to be unverifiable, and XXXX has removed it from my credit file. 

I now request that all other credit reporting agencies, including [ Insert Names of CRAs ], conduct a thorough review and deletion of this same account. Since XXXX, one of the major CRAs, has already deleted the entry due to its unverifiable nature, it is expected that other agencies follow suit in accordance with applicable consumer protection laws. 

Legal Basis for Request Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to accurate and complete information on my credit report. If a debt or charge-off is found to be unverifiable, it must be removed from my credit report promptly. XXXX has already deleted this account, which has been verified as inaccurate, and therefore, the same must apply to any other credit report containing this account. Failure to remove unverifiable information within 30 days from the date of my notification is in violation of the FCRA. 

Furthermore, I remind the CRAs that under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their report, the CRA must investigate and correct or delete the information within 30 days if it is found to be inaccurate. Should the account remain on my credit report and not be removed within the required timeframe, this will constitute a direct violation of my rights as a consumer. 

My Request I respectfully request that you take immediate action to remove the unverifiable XXXX XXXX XXXX charge-off account from my credit report within 30 days. If this information is not corrected or deleted in the specified timeframe, I am fully aware of my right to seek legal action and pursue any available remedies, including filing a lawsuit for damages under the Fair Credit Reporting Act and seeking statutory damages, punitive damages, and attorneys fees. 

Please consider this letter a formal notification of my dispute and request for deletion of the account. I appreciate your attention to this matter and trust you will act in accordance with the law. 

Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX : XXXX, Transunion, XXXX
Product: Credit reporting

I have contacted Equifax several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and there are items that they have failed to remove.
Product: Credit card or prepaid card

I applied and received a fixed rate visa card from Bank of America,  XX/XX/XXXX - In the disclosure of the contract it specifically states the FIXED rate means that the APR " will not '' vary in accordance with the changes in a formula, such as the U.S. Prime Rate. XX/XX/XXXX BOA started raising my rate - I question them about it and their answer was " because of a change in their business practices my APR will be changed to a variable rate based on the Prime Rate. '' I have researched the original agreement, the Truth and Lending Law and XXXX-XXXX Credit Card Act and can not find any statement that says a company can change a contract regulations because of a " change in their business practices ''. The XXXX-XXXX Credit Card Act states specifically that a FIXED APR can only be changed if late payments, over credit limit, or intro offer expires. A change in business policies is not a valid reason even with notice.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. XXXX is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, 2, XXXX credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit score by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXXXXXX XXXX and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,