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

There is an inquiry from XXXX XXXX dated XX/XX/2018 on my credit report. At the time, I was checking online with XXXX to view my rates on a loan. In doing so, the disclaimer said this will not affect your credit score as we will not pull a hard credit inquiry. 

The next day, I received an alert on my credit monitoring service that a new inquiry was made with Equifax and XXXX XXXX from XXXX. 

I called XXXX and spoke with an account manager. They agreed that a hard inquiry should not have been requested and asked that I fax over the credit reports in question. 

I received correspondence from XXXX that they have requested the inquiry be removed from my credit report as I never applied for the loan. 

XXXX  removed the inquiry and sent me a new credit report which is attached as well as the letter from XXXX and the letter from Equifax saying they will not remove the error.
Product: Credit reporting or other personal consumer reports

I am reaching out because my Social Security number has been compromised. I experienced a data breach or was notified of fraudulent accounts linked to me. I filed a complaint with the Federal Trade Commission, which is included at the end of this letter. I request that you provide me with an updated copy of my credit report and remove all fraudulent accounts, incorrect names, addresses, employers, and unauthorized inquiries from my report. 

I am aware that you have delayed addressing numerous consumer complaints and disputes, often assuming that certain customers are working with third-party entities, such as credit repair companies. Such delays are unlawful. Consumers have the right to work with such firms if they choose, and there is no valid justification for delaying the resolution of their cases. To clarify, the tools and guidelines I used to create my letters are accessible to all consumers, and any delay in processing my dispute is a violation of 15 U.S. Code 1681i. This law outlines the obligations of a consumer reporting agency when investigating reasonable disputes and specifies exceptions. Any willful delay in processing my letters will be viewed as a violation of my rights as a consumer. 

There is no provision in the law that allows you to delay processing a consumers correspondence in the hope that a third party might intervene. Be assured that all communications you receive under my name were prepared with my full knowledge and consent, either by me personally or by advisors acting on my behalf. 

Additionally, I am aware that no provision under the FCRA requires me to provide a Power of Attorney or permits you to delay processing consumer disputes due to the absence of such documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. The credit reporting agency, Equifax, is fraudulently reporting an adverse collection account on my credit report. The collection agency ( XXXX XXXX ) and credit reporting agency ( Equifax ) received written documentation showing that the account was paid in full on XX/XX/2016, as the original creditor ( XXXX XXXX XXXX, XXXX ) accepted full and final payment of the account. The collection agency is fraudulently reporting a delinquent account when it is not.
Product: Mortgage

I bought my house in the nineties from a guy in foreclosure and brought him current. Have been paying on the mortgage as agreed ever since. Recently US Bank acquired my loan from XXXX. US Bank is n't communicating with me as set out in the XXXX mortgage rules. 

According to the XXXX mortgage rules, mortgage servicers are required to send borrowers a clear monthly statement. I asked them to send me my statement for Loan # XXXX monthly to my address above. They refused. 

I also sent them a certified letter on XXXX XXXX asking them the same thing, along with a copy of my deed, which is recorded at the court house and is a matter of public record, showing that I hold title to the house they hold the mortgage on. 

It 's well past the time they should have responded back that they received my letter and that they will properly communicate with me in the future.
Product: Debt or credit management

Subject : Complaint Against XXXX XXXX for Unethical Practices and Poor Customer Service Dear CFPB, I am writing to file a formal complaint against XXXX XXXX  regarding my experience with their credit repair services. I signed up for their services, but my account was abruptly canceled without any prior notice or explanation. I was not informed that my service was canceled, nor did I receive any refund for the fees I had already paid. 

When I contacted XXXX XXXX to inquire about the issue, I was met with rudeness and disrespect. During my first call, the representative hung up on me. When I called again, I was told that the cancellation happened because I allegedly canceled the service. This information was false, and I had never canceled anything myself. I was then told that my cancellation was due to a past-due balance. When I asked for clarification and to know the exact amount of the balance, I was placed on hold for over two hours. Finally, I was told that no one wanted to speak with me. 

I am deeply frustrated with the way XXXX XXXX  has treated me, as I have not received the service I paid for, nor have they provided the refund for the fees I am entitled to. Their customer service has been unprofessional, and the company has failed to address my concerns appropriately. 

I am requesting the following : A full refund of the fees I have paid for credit repair services that were canceled without my knowledge or consent. 
A thorough investigation into XXXXXXXX XXXX XXXX customer service practices and cancellation procedures. 
Please let me know if you need any further information or documentation to support my complaint. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX XXXX submitted an online payment to Comenity Bank to pay off balance on an interest free promotion program. I contacted the bank several times on XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after noticing that my XXXX XXXX Bank records showed that the check had been received but had not been cashed. I called XXXX XXXX on XX/XX/XXXX to find out the status of my payments and the representative contacted Comentity Bank on a recorded line which has since been transcribed as proof of payment for me. The Comenity Bank representative stated that they had not received the check and that it might have been lost form the lockbox. It was suggested that a stop payment be issued. and an ACH be issued instead. The amount that I was told was due was {$140.00} and XXXX XXXX provided the Bank XXXX routing information and I provided my account number and authorized the payment. The Comenity Bank representative provided me with a confirmation number and told me that I would receive a statement showing a zero balance due. The statement I received in XXXX reflected interest and late charges for non payment. I contacted Comenity bank on XX/XX/XXXX and was told that there was no record of any payment ever being issued. I issued a dispute and 3 days later, I was reported to all 3 Credit Reporting Agencies as having a delinquent payment. I contacted Comenity Bank Customer Service on XX/XX/XXXX and was told to issue a letter to the Disputes Department. I received a letter dated XX/XX/XXXX from Comenity Bank stating the wire payment in the amount of {$140.00} was not processed due to a system processing error. Comenity Bank now maintains that I owe {$170.00}. I refuse to pay more than was told that I owe Comentity -- I will jot pay finance charges that are due to Comenity 's inability to collect checks from their lockbox and to process a wire. Furthermore, my request to Comenity to rectify the wrecking of my stellar credit record has gone unanswered. Reporting an account in dispute to the credit reporting agencies is against the Fair Credit Reporting Act. I have sent certified letters to XXXX XXXX as we'll as to Comenity 's Bank Dispute Department and the response form the Credit Department is to the effect that I owe finance charges due to the expiry of the promotion balance. If. Comenity was able to deposit checks from the lock box and/or figure out how to process an ACH payment, there would be no finance charges. I refuse to be charged for Comenity 's Banks negligence and ineptitude. I have filed a formal compliant to the XXXX  of OH and have made Comentity Bank aware that my complaint of the same nature has been filed by thousands of their card holders. All of this has fallen on deaf ears. Just today, XX/XX/XXXX, I received a letter from Comity stating that the investigation of my third dispute has concluded and that I owe finance charges despite the fact that on XX/XX/XXXX, the Bank acknowledged in a letter dated XX/XX/XXXX that my wire payment on XX/XX/XXXX had not been processed due to a system processing error.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to complaint delete the following information in my credit file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT This is Additional information in regards of the CFPB Complaint ID XXXX I, XXXX XXXX had Forgot to submit my Cease And Desist letter in previous complaint mentioned above. 

However, the Cease And Desist letter is attached now in this complaint and shall not be construed for any reason!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -MERCANTILE ADJUSTMENT BU # XXXX
Product: Credit reporting or other personal consumer reports

Reached out to company - I am writing to formally file a complaint against XXXX XXXX regarding XXXX credit card accounts that have resulted in a combined debt of nearly {$3000.00}. I believe that these debts are inaccurate, and despite my efforts to resolve the matter directly with XXXX XXXX, the issues remain unresolved. 

Background The XXXX XXXX XXXX accounts in question are as follows : XXXX. Account Ending in XXXX XXXX. Account Ending in XXXX I initially became aware of these debts in XXXX when I received notification from XXXX  XXXX that these accounts were in default and that I owed a total of approximately {$3000.00}. I promptly disputed the validity of these debts and took the following steps : Actions Taken 1. Debt Validation Letters : On XX/XX/XXXX, XX/XX/XXXX I sent debt validation letters to XXXX XXXX for both accounts, requesting detailed information and documentation proving the legitimacy of the debts. Despite being within my rights under the Fair Debt Collection Practices Act ( FDCPA ), I did not receive a satisfactory response from XXXX  XXXX. They failed to provide the requested validation, leaving me with unresolved concerns about the accuracy and legitimacy of the debts. 
2. Communication Attempts : I have made multiple attempts to communicate with XXXX XXXX  customer service department by phone and in writing. In these communications, I consistently requested that they validate the debts and explain the charges leading to the balances. Unfortunately, my requests were either ignored or inadequately addressed, and the debts continue to be reported on my credit report. 
XXXX. Negative Impact on Credit : The continued reporting of these disputed debts by XXXX XXXX has significantly impacted my credit score. This has made it difficult for me to obtain new credit and has caused undue stress and financial strain. 

Request for Action Given the above, I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX  handling of this matter. Specifically, I ask that you : XXXX. Investigate the validity of the debts reported by XXXX XXXX. 
XXXX. Require XXXX XXXX to provide clear and comprehensive documentation proving the legitimacy of the debts. 
XXXX. Instruct XXXX XXXX to remove the debts from my credit report if they are unable to substantiate the charges. 

I believe that XXXX XXXX is engaging in unfair and deceptive practices by continuing to report these unverified debts, and I respectfully request your assistance in resolving this matter. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution. Please feel free to contact me if you need any additional information.
Product: Credit reporting

This debt has not been properly verified. There is no contract with my signature per request.
Product: Credit card or prepaid card

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer reporting agencies pay a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX. I request a thorough investigation into these discrepencies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to provide, I am demanding that these payments be updated to on time, never late, as I have consistently upheld my obligation.
Product: Debt collection

Prosper Credit card sends me statements showing balance of around {$1700.00}. I never had this credit card neither did I ever applied for it. Card ending number on statement ( XXXX ). 
I tried calling prosper credit card but seems like they not ready to resolve my issue. 

In the statement there are so many out of country transactions, I haven't traveled out of country since XXXX of XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, I reached out to Goodleap about a solar panel loan through them. Our solar panels were not performing the way we were told by salesman that came to our home. Also, the service address was not correct listed on the contract and it took 6 months to coordinate with electric company to try to get promised solar credits. We were also promised an extra roof insurance ; our roof has begun leaking and no one has contacted us about getting this issue resolved. We stopped making payments in XXXX due to breach and significant errors in contract. I received a call at leat twice a day from a variety of numbers that are all Goodleap. This has been going on from XXXX to today. Goodleap finally sent a copy of contract XX/XX/XXXX. This contract has significant changes from the original contract I have on file and had our " electronic signatures '' all from the same exact IP address as the salesman. This contract is not valid and we are getting harassed. I started a new job and don't know if I'm answering a client call or Goodleap. It is affecting my income.
Product: Credit reporting or other personal consumer reports

The following accounts noted on my credit report were disputed using the TransUnion online dispute portal ; however, Transunion failed to remove inaccurate information on my report. 

XXXX XXXX XXXX The account was disputed using the online dispute service on Saturday XX/XX/year>. Transunion returned investigation results on Saturday XX/XX/year>. Thus, Transunion verified the debt as accurate in XXXX business days. 

XXXX XXXX XXXX The account was disputed using the online dispute service on Saturday XX/XX/XXXX, XXXXTransunion returned investigation results on Saturday XX/XX/year>. Thus, Transunion verified the debt as accurate in XXXX business days. 

XXXX XXXX XXXX XXXX The account was disputed using the online dispute service on Saturday XX/XX/XXXX, XXXXTransunion returned investigation results on Saturday XX/XX/year>. Thus, Transunion verified the debt as accurate in XXXX business days. 


These debts were disputed because XXXX ) I am not liable for the debt with XXXX Bank XXXX. and I do not have a contract with XXXX XXXX XXXX. XXXX ) I am not liable for the debt with XXXX XXXX XXXX, and I do not have a contract with XXXX XXXX XXXX. XXXX ) I am not liable for the debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with original contracts when requested. 

Additionally, these same accounts were recently disputed with XXXX and they were deleted due to inaccuracy.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my XXXX XXXX card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to XXXX XXXX. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called XXXX XXXX to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was discharged in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called XXXXXXXX XXXX in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require manager approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX XX/XX/XXXX I receive another communication from XXXXXXXX XXXX stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX XXXX XXXX. On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called XXXX XXXX  that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX XXXX 's received the payment. XXXXXXXX XXXX responded to the XXXX with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because XXXX 's refused to transfer misapplied funds/issue a refund in a timely manner.
Product: Student loan

I have been paying on my loan of {$48000.00} since XX/XX/XXXX. its its XX/XX/XXXX and the balance is still {$47000.00}. When I call The company for the total interest I owe on the loan they say they cant give it to me. My interest rate is only 3.375 % the lowest but on some payment my whole payment went to the interest and not the principle. I have paid a total of like {$17000.00} according to my calculations and {$13000.00} in interest alone. 
The company says I have only paid a total of {$15000.00}. I disagree but this is what they say
Product: Debt collection

Called my brother looking for me and told him that they needed to reach me due to a complaint that has been filed against me. I had never spoken to this company before or received a letter. I called them and they told me I owe money from overdraft fees on a US bank account from XX/XX/XXXX for about 2100 dollars. She said that it was sent to collections in XX/XX/XXXX resulting in it still falling within statue of limitations. I asked for another letter since I didn't receive it and she said it was too late because I was in process of getting sued and I need to pay XXXX dollars in 3 days and then XXXX dollars a month til it's paid off. I know they violated the fair credit reporting act by giving a relative information. They also will not mIl me anything and I cannot find information about the business at all. They claim to be XXXX XXXX XXXX with phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.
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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX